Life Study CPI With Dividends

Chris Turner, 2012
CPI Adjusted Savings Over 45 Year Career

Mattress
All Stocks
Stocks + Bonds
3,000,000
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) .
2,500,000
The line on top shows which method produced the best return.
2,000,000
1,500,000
1,000,000
500,000
- The Mattress line simply shows saving 10% per month and doing nothing.
- All stocks line shows retirement using S&P Composite performance .
- All bonds line shows retirement using 10 year bond performance.
- The stocks and bonds line combines a proportion of stocks to bonds using 100
less age to allocate toward stocks (100 - 20 = 80% toward stocks in year 1).
Stocks outperformed bonds 36 to 19 years.
All Bonds
Stocks VS Bonds - CPI Adjusted

Stocks Above or Below
Mean
1,000,000
800,000
Blue line depicts how much Stocks were either above or below bonds at the end of the 45
year investment. Any number above 0 reflects total amount of dollars that stocks beat
bonds . Any number below 0 shows the total amount in dollars that bonds beat stocks.
897,563
Red Line indicates the mean beginning from 1958.

600,000
400,000
342,107
200,000
-200,000
-400,000
When stocks beat bonds, they normally beat bonds by a mean of $224,099.
-334,330
When bonds beat stocks, they normally beat stocks by a mean of $164,166.
-600,000
-800,000
-536,590
Chris Turner, 2012
CPI Adjusted Performance

1913-1958
Mattress
All Stocks
Stocks and Bonds
All Bonds
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
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

1914-1959
Mattress
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks + Bonds
All Bonds
Chris Turner, 2012

1915-1960
Mattress
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks + Bonds
All Bonds
Chris Turner, 2012

1916-1961
Mattress
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1917-1962
Mattress
500,000
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1918-1963
Mattress
500,000
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1919-1964
Mattress
500,000
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1920-1965
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1921-1966
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1922-1967
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1923-1968
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1924-1969
Mattress
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1925-1970
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1926-1971
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1927-1972
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1928-1973
Mattress
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1929-1974
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1930-1975
Mattress
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1931-1976
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1932-1977
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1933-1978
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1934-1979
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1935-1980
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1936-1981
Mattress
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1937-1982
Mattress
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1938-1983
Mattress
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1939-1984
Mattress
900,000
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1940-1985
Mattress
900,000
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1941-1986
Mattress
1,000,000
900,000
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1942-1987
Mattress
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1943-1988
Mattress
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1944-1989
Mattress
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1945-1990
Mattress
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1946-1991
Mattress
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1947-1992
Mattress
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1948-1993
Mattress
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1949-1994
Mattress
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1950-1995
Mattress
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1951-1996
Mattress
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1952-1997
Mattress
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1953-1998
Mattress
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1954-1999
Mattress
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1955-2000
Mattress
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1956-2001
Mattress
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1957-2002
Mattress
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1958-2003
Mattress
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1959-2004
Mattress
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1960-2005
Mattress
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1961-2006
Mattress
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1962-2007
Mattress
2,000,000
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1963-2008
Mattress
2,500,000
2,000,000
1,500,000
1,000,000
500,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1964-2009
Mattress
2,000,000
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1965-2010
Mattress
2,000,000
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1966-2011
Mattress
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1967-2012
Mattress
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1968-2012
Mattress
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1969-2012
Mattress
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1970-2012
Mattress
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1971-2012
Mattress
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1972-2012
Mattress
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1973-2012
Mattress
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1974-2012
Mattress
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1975-2012
Mattress
1,200,000
1,000,000
800,000
600,000
400,000
200,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1976-2012
Mattress
1,000,000
900,000
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1977-2012
Mattress
900,000
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1978-2012
Mattress
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1979-2012
Mattress
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1980-2012
Mattress
700,000
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1981-2012
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1982-2012
Mattress
600,000
500,000
400,000
300,000
200,000
100,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1983-2012
Mattress
500,000
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1984-2012
Mattress
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1985-2012
Mattress
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1986-2012
Mattress
350,000
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1987-2012
Mattress
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1988-2012
Mattress
300,000
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1989-2012
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds
Chris Turner, 2012

1990-2012
Mattress
250,000
200,000
150,000
100,000
50,000
All Stocks
Stocks and Bonds
All Bonds

Life Study CPI With Dividends

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Life Study CPI With Dividends

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Chris Turner, 2012

CPI Adjusted Savings Over 45 Year Career

Stocks VS Bonds - CPI Adjusted

Red Line indicates the mean beginning from 1958.

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

The Chart shows the growth of respective investments

Chris Turner, 2012

CPI Adjusted Performance

Chris Turner, 2012

CPI Adjusted Performance

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds

Chris Turner, 2012

CPI Adjusted Performance

Stocks and Bonds