Don’t Cut Your Retirement Short
And with historically low returns in stocks, most investors are left with two choices:
Or save more.
Don’t Stick With Low Returns
So most investors should only expect “historically average real returns of 4% a year.1”
Average isn’t looking so good, is it?
And according to Alex Pollock of Real Clear Markets “There are only two answers: Put more money in the piggy bank while you are working – and as retirements grow longer, this means a lot more. Or make the retired years fewer by working longer. Or both.”
But there is a flaw in this thinking. Because it assumes that there are only two choices.
And life is rarely so black and white that it offers only two choices.
So I would like to invite you to consider a third option:
Choose to find better investments.
The retirement equation is not complex. It is a relationship of time, savings and compound growth.
And you can control all three of these, to some extent.
So if you don’t want to work longer (time) and are limited by contributions (savings), look for higher returns (compound growth).
The Power of Compound Growth
Compound growth has the biggest effect of the three things you can control.
And that’s because any given percentage of returns will grow exponentially over time.
Have you heard the story about doubling a penny every day for a month? And how it adds up to $10.7 Million?
That’s the power of compound growth!
So I’m not suggesting that you can double your investment daily. But it illustrates why compounding is so important.
So rate of return is more important than time itself. And more important than how much you save.
So let’s look at how much difference compounding makes.
And we’ll compare how fast your savings will grow at 4% and 12% return. We’ll use a period of 10 years to keep it simple. And these are just numbers to illustrate the point. Your own results may vary.
So at 4% return after 10 years, your investment will increase by 48%.
And at 12% return after 10 years, your investment will increase by 210%.
So you can see in our example that a 12% return grows your savings by over four times that of a 4% return.
What would you prefer: Cut your retirement short or enjoy peace of mind? And less stress?
Don’t Settle For Average
So average just translates into failure in most cases.
But you probably wouldn’t be here if you were average.
And if average returns are 4%, that means some are lower and some are higher.
Therefore, the trick is to seek out higher returns. But don’t set yourself up for undue risk. And it can be done. Because all it takes some education and due diligence.
And if you do it right, the payoff can be big. The difference might be to cut your retirement short or live the retirement of your dreams.
The Freedom To Choose The Best Returns
Alternative investments give you more freedom to find those higher returns. You simply have more options available to you.
So have you already downloaded your Free Report? “See How Real Estate Beats the Stock Market”
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