June 9


10 Heart-Warming Facts About Retirement Planning

10 Heart-Warming Facts About Retirement Planning

1.From 1901-2000 the stock market had an average annual return of 9.89%. (source)

2. Over the past 100 years, the absolutely worst 20-year period time you could have possibly invested in the stock market was 1929-1949. If you invested $10,000 in 1929, you would have ended up with $15,600  in 1949.  That was the WORST.

3. During the BEST 20 year period (1979-1999) a $10,000 investment would have turned into $285,000. (28.5x as much)

4. According to government data, on average, retirees today are dying with nearly twice as much money in savings as they had the day they retired. (source)

5. The probability of having to stay in a nursing home for 5 or more years is only 2% for men and 7% for women. (source)

6. The WORST year you could have possibly invested money in the past 87 years was 1974. If you had 50/50 stock/bond portfolio, you would have lost 12%. That was the WORST.

7. You do NOT need $1,000,000 to retire. There is no standardized amount of money.  In addition to savings, your debt and monthly spending are just as important.  Right now, many retirees are living wonderfully fulfilling retirements with only $200,000 in savings (or less).

8. Social Security is NOT going to go bankrupt during your lifetime. They are NOT going to take away your benefits.  (source)

9. Over the past 42 years, a 60/40 stock/bond portfolio has had a positive double-digit return twenty-two times. It had ONE double digit loss (-20.1% in 2008).

10. As long as you do some planning and keep your money working for you once you retire, you may be able to live a better lifestyle than you realize. At the very least, you can stop worrying so much about running out of money.  It doesn’t happen nearly as often as you may think.

Be Blessed,


The perforamnce of an unmanaged inex is not indicative of the performance of any particular investment. Individuals cannot invet directly in an index.   S & P 500 Index is a widely recognized unmanaged index of 500 publicly traded stocks that include the reinvestment of dividends.   No adjustment has been made for account fees, sales charges, or income taxes; the actual returns would be lower if they were included. Past performance is no guarantee of future reslts. Actual results will vary.

1- as measured by the S & P 500

2- as measured by the 10-Year T Bond (NYU Data).  I am using this data instead of the Barclay’s Aggregate Bond Index because that bond index only goes back to 1974, while the T. Bond data goes back to 1926.


The return of principal for bond funds and for funds with significant underlying bond holdings is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings.

The value of fixed-income securities may be affected by changing interest rates and changes in credit ratings of the securities.

 Past performance is no guarantee of future results. Inherent in any investment is the potential for loss. Indexes are unmanaged portfolios and individuals cannot invest directly in an index.  Actual results will vary.

This communication is for informational purposes only and nothing herein should be construed as a solicitation, recommendation or an offer to buy or sell any securities or product, and does not constitute legal or tax advice. The information contained herein has been obtained from sources believed to be reliable but we do not guarantee accuracy or completeness. Do not act or rely upon the information and advice given in this publication without seeking the services of competent and professional legal, tax, or accounting counsel.


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