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​BASIC FINANCIAL CONCEPTS AND TERMINOLOGY OF FINANCIAL PRODUCTS

Saving Too Conservatively

Many people keep too many of their retirement dollars invested in cash and low interest accounts even though other places offer higher potential yields. Saving too conservatively may translate into having inadequate funds during retirement. This chart shows the growth of $100,000 at different rates of returns.

Even a 2% increase in the average annual return can mean hundreds of thousand of dollars more during retirement. It can mean the difference between spending retirement years in comfort or asking many people a day “Do you want fries with that”

GROWTH OF $100,000

Years at 4% at 6% at 8%
10 148,024 179,085 215,892
20 219,112 320,714 466,096
30 324,340 574,349 1,006,266

More Financial Concepts & Strategies

Split Funding
Tax Deferral
Saving Too Conservatively
Yield Ladders
Liquidity

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