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Chris Turner, 2012

CPI Adjusted Savings Over 45 Year Career


Mattress

All Stocks

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

Chart shows CPI-adjusted final retirement savings


with 10% invested per month, using median 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 1913
and 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 based on
performance of S&P 500.
- All bonds line shows retirement based on
performance of 10 year bond.
Bonds outperformed stocks 38 to 17 years.

600,000

400,000

200,000

Stocks + Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1913-1958
Mattress

All Stocks

Stocks and Bonds

All Bonds

200,000

180,000

160,000

140,000

120,000

100,000

80,000

60,000

40,000

20,000

The Chart shows the growth of respective investments


over a 45 year career. The majority of the time, bonds
out performed stocks, until the very last years.

Chris Turner, 2012

CPI Adjusted Performance


1914-1959
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks + Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1915-1960
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks + Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1916-1961
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1917-1962
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1918-1963
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1919-1964
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1920-1965
Mattress

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1921-1966
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1922-1967
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1923-1968
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1924-1969
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1925-1970
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1926-1971
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1927-1972
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1928-1973
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1929-1974
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1930-1975
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1930-1975
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1931-1976
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1932-1977
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1933-1978
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1934-1979
Mattress

500,000

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1935-1980
Mattress

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1936-1981
Mattress

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1937-1982
Mattress

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1938-1983
Mattress

800,000

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1939-1984
Mattress

900,000

800,000

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1940-1985
Mattress

900,000

800,000

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1941-1986
Mattress

1,000,000

900,000

800,000

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1942-1987
Mattress

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1943-1988
Mattress

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1944-1989
Mattress

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1945-1990
Mattress

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1946-1991
Mattress

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1947-1992
Mattress

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1948-1993
Mattress

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1949-1994
Mattress

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1950-1995
Mattress

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1951-1996
Mattress

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1952-1997
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1953-1998
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1954-1999
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1955-2000
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1956-2001
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1957-2002
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1958-2003
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1959-2004
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1960-2005
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1961-2006
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1962-2007
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1963-2008
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1964-2009
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1965-2010
Mattress

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1966-2011
Mattress

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1967-2012
Mattress

1,600,000

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1968-2012
Mattress

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1969-2012
Mattress

1,400,000

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1970-2012
Mattress

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1971-2012
Mattress

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1972-2012
Mattress

1,200,000

1,000,000

800,000

600,000

400,000

200,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1973-2012
Mattress

1,000,000

900,000

800,000

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1974-2012
Mattress

900,000

800,000

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1975-2012
Mattress

800,000

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1976-2012
Mattress

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1977-2012
Mattress

700,000

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1978-2012
Mattress

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1979-2012
Mattress

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1980-2012
Mattress

500,000

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1981-2012
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1982-2012
Mattress

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1983-2012
Mattress

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1984-2012
Mattress

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1985-2012
Mattress

350,000

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1986-2012
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1987-2012
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1988-2012
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1989-2012
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1990-2012
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

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