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Strategies & Market Trends : The Residential Real Estate Crash Index -- Ignore unavailable to you. Want to Upgrade?

To: Wyätt Gwyön who wrote (16758)	2/5/2004 6:01:04 PM
From: patron_anejo_por_favor	Respond to of 306849

<<i would sure like to know where one is going to get 9.5% compounded for the next 35 years.>> Why in Residential Real Estate, of course...it ALWAYS goes up, haven't you been following the discussion for the last 16,000 posts?<VBG>

To: Wyätt Gwyön who wrote (16758)	2/6/2004 4:02:48 AM
From: Amy J	Read Replies (1) \| Respond to of 306849

Darfot RE: "what are the assumptions here? " I can email you the spreadsheet, if you'd like. I give it out to any new hire if they are just out of school, to help encourage them to save. The age multiplier is stunning. Someone that saves one dollar at age 22, is getting 5Xs the impact. At age 2, it's 13Xs ! SaveEarly.xls Input variables: historical inflation = 4.35% historical stock growth = 11.35% tax = 25.00% ROR = 4.16% multiplier = (1+growth-inflation)**no.ofYrsSaved retirement age = 65 savings per year= current portfolio= Your Age # YrsSaved multiplier age 2 63 13.06 age 3 62 12.53 age 4 61 12.03 age 5 60 11.55 age 6 59 11.09 age 7 58 10.65 age 8 57 10.22 age 9 56 9.81 age 10 55 9.42 age 11 54 9.05 age 12 53 8.68 age 13 52 8.34 age 14 51 8.00 age 15 50 7.68 age 16 49 7.38 age 17 48 7.08 age 18 47 6.80 age 19 46 6.53 age 20 45 6.27 age 21 44 6.02 age 22 43 5.78 age 23 42 5.54 age 24 41 5.32 age 25 40 5.11 age 26 39 4.91 age 27 38 4.71 age 28 37 4.52 age 29 36 4.34 age 30 35 4.17 age 31 34 4.00 age 32 33 3.84 age 33 32 3.69 age 34 31 3.54 age 35 30 3.40 age 36 29 3.26 age 37 28 3.13 age 38 27 3.01 age 39 26 2.89 age 40 25 2.77 age 41 24 2.66 age 42 23 2.55 age 43 22 2.45 age 44 21 2.35 age 45 20 2.26 age 46 19 2.17 age 47 18 2.08 age 48 17 2.00 age 49 16 1.92 age 50 15 1.84 age 51 14 1.77 age 52 13 1.70 age 53 12 1.63 age 54 11 1.57 age 55 10 1.50 age 56 9 1.44 age 57 8 1.39 age 58 7 1.33 age 59 6 1.28 age 60 5 1.23 age 61 4 1.18 age 62 3 1.13 age 63 2 1.08 age 64 1 1.04 age 65 0 1.00