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Quick Tip: Utilize Retirement Simulators
Investment circles call the 2000’s “The Lost Decade.” The S&P 500 achieved an annualized return of -.99 percent during this ten-year period. This put many baby boomers behind their personal savings goals. Consequently, investors must now re-evaluate their retirement plans and make adjustments. People may need to save more, delay retirement, or reduce their anticipated standard of living. Retirement calculators can illustrate where you currently stand compared to your goals. They can be found online, or a fee-only financial planner can perform these calculations.