Life Study Nominal With Dividends

Chris Turner, 2012
Nominal Savings Over 45 Year Career

Mattress
All Stocks
Stocks + Bonds
700,000
600,000
Chart shows nominal 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.
500,000
400,000
300,000
200,000
100,000
- 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).
All Bonds
Chris Turner, 2012
Stocks VS Bonds - Nominal

Stocks Above or Below
Mean
300,000
Blue line depicts how much Stocks were either above or below bonds at the end of the
45 year investment.
250,000
200,000
252,033
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.

150,000
100,000
50,000
27,461
-50,000
When stocks beat bonds, they normally beat bonds by a mean of $51,374.
-100,000
-46,376
When bonds beat stocks, the normally beat stocks by a mean of $22,665.
-116,307
-150,000
Chris Turner, 2012
Nominal Performance
1913-1958
Mattress
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1914-1959
Mattress
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks + Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1915-1960
Mattress
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks + Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1916-1961
Mattress
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1917-1962
Mattress
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1918-1963
Mattress
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1919-1964
Mattress
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1920-1965
Mattress
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1921-1966
Mattress
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1922-1967
Mattress
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1923-1968
Mattress
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1924-1969
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1925-1970
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1926-1971
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1927-1972
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1928-1973
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1929-1974
Mattress
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1930-1975
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1931-1976
Mattress
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1932-1977
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1933-1978
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1934-1979
Mattress
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1935-1980
Mattress
70,000
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1936-1981
Mattress
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1937-1982
Mattress
90,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1938-1983
Mattress
100,000
90,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1939-1984
Mattress
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1940-1985
Mattress
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1941-1986
Mattress
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1942-1987
Mattress
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1943-1988
Mattress
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1944-1989
Mattress
200,000
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1945-1990
Mattress
200,000
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1946-1991
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1947-1992
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1948-1993
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1949-1994
Mattress
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1950-1995
Mattress
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1951-1996
Mattress
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1952-1997
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
Nominal Performance
1953-1998
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
Nominal Performance
1954-1999
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1955-2000
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
Nominal Performance
1956-2001
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
Nominal Performance
1957-2002
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
Nominal Performance
1958-2003
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1959-2004
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1960-2005
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1961-2006
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1961-2006
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1962-2007
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1963-2008
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
Nominal Performance
1964-2009
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1965-2010
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1966-2011
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1967-2012
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1968-2012
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1969-2012
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1970-2012
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1971-2012
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1972-2012
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
Nominal Performance
1973-2012
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
Nominal Performance
1974-2012
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
Nominal Performance
1975-2012
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
Nominal Performance
1976-2012
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
Nominal Performance
1977-2012
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
Nominal Performance
1978-2012
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
Nominal Performance
1979-2012
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
Nominal Performance
1980-2012
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
Nominal Performance
1981-2012
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
Nominal Performance
1982-2012
Mattress
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1983-2012
Mattress
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1984-2012
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1985-2012
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1986-2012
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1987-2012
Mattress
200,000
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1988-2012
Mattress
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1989-2012
Mattress
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012
Nominal Performance
1990-2012
Mattress
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
All Stocks
Stocks and Bonds
All Bonds

Life Study Nominal With Dividends

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Life Study Nominal With Dividends

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Chris Turner, 2012

Nominal Savings Over 45 Year Career

Chris Turner, 2012

Stocks VS Bonds - Nominal

Red Line indicates the mean beginning from 1958.

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Chris Turner, 2012

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds

Chris Turner, 2012

Stocks and Bonds