life study - cpi

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  • 7/30/2019 Life Study - CPI

    1/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    CPI Adjusted Performance

    1990-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    2/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    CPI Adjusted Performance

    1989-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    3/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    CPI Adjusted Performance

    1988-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    4/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    CPI Adjusted Performance

    1987-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    5/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    CPI Adjusted Performance

    1986-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    6/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    CPI Adjusted Performance

    1985-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    7/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    CPI Adjusted Performance

    1984-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    8/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1983-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    9/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    CPI Adjusted Performance

    1982-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    10/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    CPI Adjusted Performance

    1981-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    11/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    500,000

    CPI Adjusted Performance

    1980-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    12/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    CPI Adjusted Performance

    1979-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    13/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    CPI Adjusted Performance

    1978-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    14/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    CPI Adjusted Performance

    1977-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    15/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    CPI Adjusted Performance

    1976-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    16/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    800,000

    CPI Adjusted Performance

    1975-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    17/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    800,000

    900,000

    CPI Adjusted Performance

    1974-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    18/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    800,000

    900,000

    1,000,000

    CPI Adjusted Performance

    1973-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    19/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    CPI Adjusted Performance

    1972-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    20/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    CPI Adjusted Performance

    1971-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    21/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    CPI Adjusted Performance

    1970-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    22/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    CPI Adjusted Performance

    1969-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    23/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    CPI Adjusted Performance

    1968-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    24/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    CPI Adjusted Performance

    1967-2012

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    25/79

  • 7/30/2019 Life Study - CPI

    26/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1965-2010

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    27/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1964-2009

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    28/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1963-2008

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    29/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1962-2007

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    30/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1961-2006

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    31/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1960-2005

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    32/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1959-2004

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    33/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1958-2003

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    34/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1957-2002

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    35/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1956-2001

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    36/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1955-2000

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    37/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1954-1999

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    38/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1953-1998

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    39/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Performance

    1952-1997

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    40/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    CPI Adjusted Performance

    1951-1996

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    41/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    CPI Adjusted Performance

    1950-1995

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    42/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    CPI Adjusted Performance

    1949-1994

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    43/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    CPI Adjusted Performance

    1948-1993

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    44/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    CPI Adjusted Performance

    1947-1992

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    45/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    CPI Adjusted Performance

    1946-1991

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    46/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    CPI Adjusted Performance

    1945-1990

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    47/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    CPI Adjusted Performance

    1944-1989

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    48/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    CPI Adjusted Performance

    1943-1988

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    49/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    CPI Adjusted Performance

    1942-1987

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    50/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    800,000

    900,000

    1,000,000

    CPI Adjusted Performance

    1941-1986

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    51/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    800,000

    900,000

    CPI Adjusted Performance

    1940-1985

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    52/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    800,000

    900,000

    CPI Adjusted Performance

    1939-1984

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    53/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    800,000

    CPI Adjusted Performance

    1938-1983

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    54/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    700,000

    CPI Adjusted Performance

    1937-1982

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    55/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    CPI Adjusted Performance

    1936-1981

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    56/79

    0

    100,000

    200,000

    300,000

    400,000

    500,000

    600,000

    CPI Adjusted Performance

    1935-1980

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    57/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    500,000

    CPI Adjusted Performance

    1934-1979

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    58/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    CPI Adjusted Performance

    1933-1978

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    59/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    CPI Adjusted Performance

    1932-1977

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    60/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1931-1976

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    61/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    CPI Adjusted Performance

    1930-1975

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    62/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1929-1974

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    63/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    CPI Adjusted Performance

    1928-1973

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    64/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1927-1972

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    65/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1926-1971

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    66/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1925-1970

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    67/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    450,000

    CPI Adjusted Performance

    1924-1969

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    68/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1923-1968

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    69/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1922-1967

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    70/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    400,000

    CPI Adjusted Performance

    1921-1966

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    71/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    350,000

    CPI Adjusted Performance

    1920-1965

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    72/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    CPI Adjusted Performance

    1919-1964

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    73/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    CPI Adjusted Performance

    1918-1963

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    74/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    300,000

    CPI Adjusted Performance

    1917-1962

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    75/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    CPI Adjusted Performance

    1916-1961

    Mattress All Stocks Stocks and Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    76/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    CPI Adjusted Performance

    1915-1960

    Mattress All Stocks Stocks + Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    77/79

    0

    50,000

    100,000

    150,000

    200,000

    250,000

    CPI Adjusted Performance

    1914-1959

    Mattress All Stocks Stocks + Bonds All Bonds

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    78/79

    0

    20,000

    40,000

    60,000

    80,000

    100,000

    120,000

    140,000

    160,000

    180,000

    200,000

    CPI Adjusted Performance

    1913-1958

    Mattress All Stocks Stocks and Bonds All Bonds

    The Chart shows the growth of respective investments

    over a 45 year career. The majority of the time, bonds

    out performed stocks, until the very last years.

    Chris Turner, 2012

  • 7/30/2019 Life Study - CPI

    79/79

    0

    200,000

    400,000

    600,000

    800,000

    1,000,000

    1,200,000

    1,400,000

    1,600,000

    1,800,000

    CPI Adjusted Savings Over 45 Year Career

    Mattress All Stocks Stocks + Bonds All Bonds

    Chart shows CPI-adjusted 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.

    - The Mattress line simply shows saving 10% per

    month and doing nothing.

    - All stocks line shows retirement based onperformance of S&P 500.

    - All bonds line shows retirement based on

    performance of 10 year bond.

    Bonds outperformed stocks 38 to 17 years.

    Chris Turner, 2012