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footsox writes,

Have any of you done the actual math? We made a spreadsheet with me taking SS at the starting age of 62. We added the numbers up annually, and increased them each year for the cost of living increases that social security gives annually. Then, we invested the money every year and made a 10% return by investing in reasonably safe stocks. Then, we compounded the 10%. (This is based on us making an average of more than 10% on our stock investments for the last 10 or 15 years.)

</snip>


Stocks don't always make 10% per year. The shorter your holding period, the greater the variability.

http://www.retireearlyhomepage.com/cagrfun.html

Hard to believe I know, but there are times that stocks decline by 10% or more over multiple years.

intercst
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