THE NEW HOLISTIC RETIREMENT • 23 I’m concerned many savers don’t understand what volatility can do to their long-term savings. Take, for example, our chart above. From January 2000 to December 2019, the S&P 500 ® returned an average of 6.06 percent a year. If we instead calculated that number from January 2000 tSo&PM5ar0c0h 2020 (adding just three months to the chart), the ® returned an average of 4.42 percent a year. That’s aa vderroa pg eo. Af lnl ebaercl ay u1s .e7 opf ea rfceewn tc raa zyye awr eaeckrsoos fs mt haer ktewt evnotl ya -t yi l ei tayr. $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 $220,000 $240,000 $260,000 $280,000 $300,000 $320,000 $340,000 $360,000 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 Source: Yahoo Finance GSPC Historical Prices 2020 S&P 500 ® Total Return: 2000 - March 2020 Average Annual Return 4.42% Shown for illustrative purposes only. Past performance is not indicative of future results. mi n ac lrukI d t e b e t d eg — co s n b th t e i e l n i e q u v u e e e s t t h t h i e i o s n a n : t W u sw r h b e e u r r l e i e s n d “ c o y e e w ? s e .” M g oa nf ryo me xhpeerret ?s —D ome ys st ehlef -9.10% -11.89% -22.10% 28.68% 10.88%4.91% 15.79% 5.49% -37.00% 26.46% 15.06% 2.11% 16.00% 32.39% 13.69% 1.38% 11.96% 21.83% 4.86% 31.46% -26.15% $40,000 $60,000 $80,000
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