No. of Recommendations: 3
There is one other point which is also significant. The MINIMUM amount for the conventional Glidepath had $49,940. This is for a cumulative investment of $41,000. It proves if you are a really unlucky saver, you can do everything right and still retire close to broke.
The paper is 5 pages long, but is worthwhile IMO. If nothing else, you might read it and see if it applies to any investors you know.

That's weird. When I tested a "dumb-money" strategy of investing a flat $1,000 per year in the S&P 500 over 40 years using actual returns, the *worst* result was a portfolio of about $421,000.

My numbers are just nominal numbers. I guess that just goes to show you how much our purchasing power erodes over time.
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