-
7/30/2019 Life Study Nominal with Dividends
1/81
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
Nominal Savings Over 45 Year CareerMattress All Stocks Stocks +
Bonds All Bonds
Chart shows nominal final retirement savings with 10% invested
per month, usingmedian US income 1913 to present. Assumes a 20 year
old begins investing 10%per month and retires at 65. Chart begins
with a person that started work in 1913and retired in 1958 (45
years) .
The line on top shows which method produced the best return.
- The Mattress line simply shows saving 10% per month and doing
nothing.- All stocks line shows retirement using S&P Composite
performance .- All bonds line shows retirement using 10 year bond
performance.- The stocks and bonds line combines a proportion of
stocks to bonds using 100 less
age to allocate toward stocks (100 - 20 = 80% toward stocks in
year 1).
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
2/81
27,461
-46,376
252,033
-116,307-150,000
-100,000
-50,000
0
50,000
100,000
150,000
200,000
250,000
300,000
Stocks VS Bonds - NominalStocks Above or Below Mean
Blue line depicts how much Stocks were either above or below
bonds at the end of the45 year investment.
Any number above the "0 " line reflects total amount of dollars
that stocks beat bonds.
Any number below 0 shows the total amount in dollars that bonds
beat stocks.
Red Line indicates the mean beginning from 1958.
When stocks beat bonds, they normally beat bonds by a mean of
$51,374.
When bonds beat stocks, the normally beat stocks by a mean of
$22,665.
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
3/81
0
5,000
10,000
15,000
20,000
25,000
30,000
Nominal Performance1913-1958
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
4/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
Nominal Performance1914-1959
Mattress All Stocks Stocks + Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
5/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
Nominal Performance1915-1960
Mattress All Stocks Stocks + Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
6/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
Nominal Performance1916-1961
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
7/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
Nominal Performance1917-1962
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
8/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
Nominal Performance1918-1963
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
9/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
Nominal Performance1919-1964
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
10/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
Nominal Performance1920-1965
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
11/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
Nominal Performance1921-1966
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
12/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
Nominal Performance1922-1967
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
13/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
Nominal Performance1923-1968
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
14/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1924-1969
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
15/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1925-1970
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
16/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1926-1971
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
17/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1927-1972
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
18/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1928-1973
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
19/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
Nominal Performance1929-1974
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
20/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1930-1975
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
21/81
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
Nominal Performance1931-1976
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
22/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1932-1977
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
23/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1933-1978
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
24/81
0
10,000
20,000
30,000
40,000
50,000
60,000
Nominal Performance1934-1979
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
25/81
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
Nominal Performance1935-1980
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
26/81
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
80,000
Nominal Performance1936-1981
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
27/81
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
80,000
90,000
Nominal Performance1937-1982
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
28/81
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
80,000
90,000
100,000
Nominal Performance1938-1983
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
29/81
0
20,000
40,000
60,000
80,000
100,000
120,000
Nominal Performance1939-1984
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
30/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
Nominal Performance1940-1985
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
31/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
Nominal Performance1941-1986
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
32/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
Nominal Performance1942-1987
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
33/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
180,000
Nominal Performance1943-1988
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
34/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
180,000
200,000
Nominal Performance1944-1989
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
35/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
180,000
200,000
Nominal Performance1945-1990
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
36/81
0
50,000
100,000
150,000
200,000
250,000
Nominal Performance1946-1991
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
37/81
0
50,000
100,000
150,000
200,000
250,000
Nominal Performance1947-1992
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
38/81
0
50,000
100,000
150,000
200,000
250,000
Nominal Performance1948-1993
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
39/81
0
50,000
100,000
150,000
200,000
250,000
300,000
Nominal Performance1949-1994
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
40/81
0
50,000
100,000
150,000
200,000
250,000
300,000
Nominal Performance1950-1995
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
41/81
0
50,000
100,000
150,000
200,000
250,000
300,000
Nominal Performance1951-1996
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
42/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
Nominal Performance1952-1997
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
43/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
Nominal Performance1953-1998
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
44/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1954-1999
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
45/81
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
Nominal Performance1955-2000
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
46/81
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
Nominal Performance1956-2001
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
47/81
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
Nominal Performance1957-2002
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
48/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1958-2003
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
49/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1959-2004
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
50/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1960-2005
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
51/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1961-2006
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
52/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1961-2006
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
Ch i T 2012
-
7/30/2019 Life Study Nominal with Dividends
53/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1962-2007
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
Ch i T 2012
-
7/30/2019 Life Study Nominal with Dividends
54/81
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
Nominal Performance1963-2008
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
Ch i T 2012
-
7/30/2019 Life Study Nominal with Dividends
55/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1964-2009
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
Chris Turner 2012
-
7/30/2019 Life Study Nominal with Dividends
56/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1965-2010
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
l fChris Turner 2012
-
7/30/2019 Life Study Nominal with Dividends
57/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1966-2011
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
N i l P fChris Turner 2012
-
7/30/2019 Life Study Nominal with Dividends
58/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1967-2012
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
N i l P fChris Turner 2012
-
7/30/2019 Life Study Nominal with Dividends
59/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1968-2012
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
N i l P fChris Turner 2012
-
7/30/2019 Life Study Nominal with Dividends
60/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1969-2012
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
N i l P fChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
61/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1970-2012
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
62/81
0
100,000
200,000
300,000
400,000
500,000
600,000
Nominal Performance1971-2012
Mattress All Stocks Stocks and Bonds All Bonds
Chris Turner, 2012
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
63/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
500,000
Nominal Performance1972-2012
Mattress All Stocks Stocks and Bonds All Bonds
,
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
64/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
500,000
Nominal Performance1973-2012
Mattress All Stocks Stocks and Bonds All Bonds
,
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
65/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
500,000
Nominal Performance1974-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
66/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
Nominal Performance1975-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
67/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
Nominal Performance1976-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
68/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
Nominal Performance1977-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
69/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
Nominal Performance1978-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
70/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
Nominal Performance1979-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
71/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
Nominal Performance1980-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
72/81
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
Nominal Performance1981-2012
Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
73/81
0
50,000
100,000
150,000
200,000
250,000
300,000
1982-2012Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
74/81
0
50,000
100,000
150,000
200,000
250,000
300,000
1983-2012Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
75/81
0
50,000
100,000
150,000
200,000
250,000
1984-2012Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
76/81
0
50,000
100,000
150,000
200,000
250,000
1985-2012Mattress All Stocks Stocks and Bonds All Bonds
-
7/30/2019 Life Study Nominal with Dividends
77/81
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
78/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
180,000
200,000
1987-2012Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
79/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
180,000
1988-2012Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
80/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
180,000
1989-2012Mattress All Stocks Stocks and Bonds All Bonds
Nominal PerformanceChris Turner, 2012
-
7/30/2019 Life Study Nominal with Dividends
81/81
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
1990-2012Mattress All Stocks Stocks and Bonds All Bonds
