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<blockquote data-quote="30yearstolife" data-source="post: 1322635"><p>But we are talking about long term numbers here (entire career at UPS). If you look at the total return on investment for the DOW or S&P for any 25 year period you will find that 8% anuall return is a very conservative number...(actually way to low) For example you would have averaged 10.27% per year over the 25 years prior to 2013 (in the broad market S&P stocks). Those 25 years were by no means stellar.</p><p></p><p>Here are the average annual returns for any 25 year period ending in 1994-2013</p><p>(1994...10.98%) (1995...12.22%) (1996...12.55%) (1997...13.07%) (1998...14.94%) (1999...17.25%) (2000...15.34%) (2001...13.78%) (2002...12.98%) (2003...13.84%) (2004...13.54%) (2005...12.48%) (2006...13.37%) (2007...12.73%) (2008...9.77%) (2009...10.54%) (2010...9.94%) (2011...9.28%) (2012...9.71%) (2013...10.27%)</p><p>For an median of 12.98% and an average of 12.43% average annual return.</p><p><span style="font-size: 18px">USING THE HISTORICALLY MORE ACCURATE 12.43% AVERAGE RETURN means that one hour of overtime would grow to...</span></p><p><span style="font-size: 18px"></span></p><p><span style="font-size: 18px"><strong>Your total is $8,018,341 after 35 years</strong>.</span></p><p><span style="font-size: 18px"></span></p><p><span style="font-size: 15px">You can now see how conservative I was being in my </span>assumptions.</p><p></p><p>An 8 million dollar pat on the back. Give them 10 minutes a day, and you are giving them 1.3 million over your career.</p><p><a href="http://en.wikipedia.org/wiki/S&P_500" target="_blank">http://en.wikipedia.org/wiki/S&P_500</a></p><p><a href="http://www.bankrate.com/calculators/retirement/401-k-retirement-calculator.aspx" target="_blank">http://www.bankrate.com/calculators/retirement/401-k-retirement-calculator.aspx</a></p></blockquote><p></p>
[QUOTE="30yearstolife, post: 1322635"] But we are talking about long term numbers here (entire career at UPS). If you look at the total return on investment for the DOW or S&P for any 25 year period you will find that 8% anuall return is a very conservative number...(actually way to low) For example you would have averaged 10.27% per year over the 25 years prior to 2013 (in the broad market S&P stocks). Those 25 years were by no means stellar. Here are the average annual returns for any 25 year period ending in 1994-2013 (1994...10.98%) (1995...12.22%) (1996...12.55%) (1997...13.07%) (1998...14.94%) (1999...17.25%) (2000...15.34%) (2001...13.78%) (2002...12.98%) (2003...13.84%) (2004...13.54%) (2005...12.48%) (2006...13.37%) (2007...12.73%) (2008...9.77%) (2009...10.54%) (2010...9.94%) (2011...9.28%) (2012...9.71%) (2013...10.27%) For an median of 12.98% and an average of 12.43% average annual return. [SIZE=5]USING THE HISTORICALLY MORE ACCURATE 12.43% AVERAGE RETURN means that one hour of overtime would grow to... [B]Your total is $8,018,341 after 35 years[/B]. [/SIZE] [SIZE=4]You can now see how conservative I was being in my [/SIZE]assumptions. An 8 million dollar pat on the back. Give them 10 minutes a day, and you are giving them 1.3 million over your career. [url]http://en.wikipedia.org/wiki/S&P_500[/url] [url]http://www.bankrate.com/calculators/retirement/401-k-retirement-calculator.aspx[/url] [/QUOTE]
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