Age Year Income Yearly Investment Special Deposits/Withdrawals

22 1 $ 49,000 $ 7,350
23 2 $ 49,980 $ 7,497
24 3 $ 50,980 $ 7,647
25 4 $ 51,999 $ 7,800
26 5 $ 53,039 $ 7,956
27 6 $ 54,100 $ 8,115
28 7 $ 55,182 $ 8,277
29 8 $ 56,286 $ 8,443
30 9 $ 57,411 $ 8,612
31 10 $ 58,560 $ 8,784
32 11 $ 59,731 $ 8,960
33 12 $ 60,925 $ 9,139
34 13 $ 62,144 $ 9,322
35 14 $ 63,387 $ 9,508
36 15 $ 64,654 $ 9,698
37 16 $ 65,948 $ 9,892
38 17 $ 67,266 $ 10,090
39 18 $ 68,612 $ 10,292
40 19 $ 69,984 $ 10,498
41 20 $ 71,384 $ 10,708
42 21 $ 72,811 $ 10,922
43 22 $ 74,268 $ 11,140
44 23 $ 75,753 $ 11,363
45 24 $ 77,268 $ 11,590
46 25 $ 78,813 $ 11,822
47 26 $ 80,390 $ 12,058
48 27 $ 81,997 $ 12,300
49 28 $ 83,637 $ 12,546
50 29 $ 85,310 $ 12,797
51 30 $ 87,016 $ 13,052
52 31 $ 88,757 $ 13,314
53 32 $ 90,532 $ 13,580
54 33 $ 92,342 $ 13,851
55 34 $ 94,189 $ 14,128
56 35 $ 96,073 $ 14,411
57 36 $ 97,995 $ 14,699
58 37 $ 99,954 $ 14,993
59 38 $ 101,954 $ 15,293
60 39 $ 103,993 $ 15,599
61 40 $ 106,072 $ 15,911
62 41 $ 108,194 $ 16,229
 Investment return this year
$ 1,368
$ 2,247
$ 3,228
$ 4,324
$ 5,544
$ 6,902
$ 8,412
$ 10,089
$ 11,950
$ 14,015
$ 16,304
$ 18,839
$ 21,646
$ 24,752
$ 28,188
$ 31,986
$ 36,184
$ 40,821
$ 45,943
$ 51,597
$ 57,838
$ 64,725
$ 72,323
$ 80,703
$ 89,944
$ 100,132
$ 111,363
$ 123,742
$ 137,383
$ 152,414
$ 168,973
$ 187,215
$ 207,308
$ 229,438
$ 253,809
$ 280,645
$ 310,195
$ 342,728
$ 378,546
$ 417,976
$ 461,380
Net worth Investment return this year (after fees)
$ 18,718 $ 1,094
$ 28,461 $ 1,775
$ 39,336 $ 2,523
$ 51,460 $ 3,343
$ 64,960 $ 4,241
$ 79,976 $ 5,223
$ 96,665 $ 6,296
$ 115,197 $ 7,469
$ 135,759 $ 8,748
$ 158,558 $ 10,144
$ 183,821 $ 11,665
$ 211,799 $ 13,322
$ 242,766 $ 15,127
$ 277,026 $ 17,090
$ 314,912 $ 19,225
$ 356,790 $ 21,547
$ 403,064 $ 24,070
$ 454,176 $ 26,811
$ 510,616 $ 29,787
$ 572,921 $ 33,019
$ 641,681 $ 36,525
$ 717,546 $ 40,330
$ 801,232 $ 44,456
$ 893,525 $ 48,931
$ 995,290 $ 53,782
$ 1,107,481 $ 59,040
$ 1,231,143 $ 64,737
$ 1,367,431 $ 70,910
$ 1,517,610 $ 77,596
$ 1,683,076 $ 84,838
$ 1,865,363 $ 92,680
$ 2,066,158 $ 101,170
$ 2,287,318 $ 110,361
$ 2,530,885 $ 120,309
$ 2,799,104 $ 131,075
$ 3,094,449 $ 142,726
$ 3,419,637 $ 155,331
$ 3,777,658 $ 168,969
$ 4,171,803 $ 183,723
$ 4,605,690 $ 199,681
$ 5,083,299 $ 216,941
 Net worth (after fees)
$ 18,444 Current Age 22
$ 27,716 Initial Net worth $ 10,000
$ 37,887 Yearly Income $ 49,000
$ 49,029 Yearly increase in Salary 2%
$ 61,226
$ 74,563
$ 89,137 Portfolio yearly return 10%
$ 105,048 Portfolio fees 2.00%
$ 122,408
$ 141,336
$ 161,961 Percentage Investing 15%
$ 184,423 Age of retirement 62
$ 208,871
$ 235,469
$ 264,392
$ 295,832
$ 329,992
$ 367,095
$ 407,380
$ 451,106
$ 498,553
$ 550,023
Net worth
$ 605,842
$ 666,363 $4,000,000

$ 731,967 $3,500,000
$ 803,065
$ 880,102 $3,000,000
$ 963,558
$2,500,000
$ 1,053,951
$ 1,151,842 $2,000,000
$ 1,257,835
$ 1,372,585 $1,500,000

$ 1,496,797
$1,000,000
$ 1,631,234
$ 1,776,720 $500,000
$ 1,934,145
$-
$ 2,104,470 1 2 3 4 5 6 7 8 9 101112131415161718192021222324252627282
$ 2,288,732
Net worth
$ 2,488,053
$ 2,703,645
$ 2,936,815
Net worth

14151617181920212223242526272829303132333435363738

Net worth
1970 0.10% 4.01% $1.04 - - - - -
1971 10.79% 14.31% $1.19 - - - - -
1972 15.63% 18.98% $1.41 - - - - -
1973 −17.37% -14.66% $1.21 - - - - -
1974 −29.72% -26.47% $0.89 −2.35% - - - -
1975 31.55% 37.20% $1.22 3.21% - - - -
1976 19.15% 23.84% $1.51 4.87% - - - -
1977 −11.50% -7.18% $1.40 −0.21% - - - -
1978 1.06% 6.56% $1.49 4.32% - - - -
1979 12.31% 18.44% $1.77 14.76% 5.86% - - -
1980 25.77% 32.50% $2.34 13.96% 8.45% - - -
1981 −9.73% -4.92% $2.23 8.10% 6.47% - - -
1982 14.76% 21.55% $2.71 14.09% 6.70% - - -
1983 17.27% 22.56% $3.32 17.32% 10.63% - - -
1984 1.40% 6.27% $3.52 14.81% 14.78% 8.76% - -
1985 26.33% 31.73% $4.64 14.67% 14.32% 10.49% - -
1986 14.62% 18.67% $5.51 19.87% 13.83% 10.76% - -
1987 2.03% 5.25% $5.80 16.47% 15.27% 9.86% - -
1988 12.40% 16.61% $6.76 15.31% 16.31% 12.17% - -
1989 27.25% 31.69% $8.90 20.37% 17.55% 16.61% 11.55% -
1990 −6.56% -3.10% $8.63 13.20% 13.93% 13.94% 11.16% -
1991 26.31% 30.47% $11.26 15.36% 17.59% 14.34% 11.90% -
1992 4.46% 7.62% $12.11 15.88% 16.17% 15.47% 11.34% -
1993 7.06% 10.08% $13.33 14.55% 14.93% 15.72% 12.76% -
1994 −1.54% 1.32% $13.51 8.70% 14.38% 14.52% 14.58% 10.98%
1995 34.11% 37.58% $18.59 16.59% 14.88% 14.81% 14.60% 12.22%
1996 20.26% 22.96% $22.86 15.22% 15.29% 16.80% 14.56% 12.55%
1997 31.01% 33.36% $30.48 20.27% 18.05% 17.52% 16.65% 13.07%
1998 26.67% 28.58% $39.19 24.06% 19.21% 17.90% 17.75% 14.94%
1999 19.53% 21.04% $47.44 28.56% 18.21% 18.93% 17.88% 17.25%
2000 −10.14% -9.10% $43.12 18.33% 17.46% 16.02% 15.68% 15.34%
2001 −13.04% -11.89% $37.99 10.70% 12.94% 13.74% 15.24% 13.78%
2002 −23.37% -22.10% $29.60 −0.59% 9.34% 11.48% 12.71% 12.98%
2003 26.38% 28.68% $38.09 −0.57% 11.07% 12.22% 12.98% 13.84%
2004 8.99% 10.88% $42.23 −2.30% 12.07% 10.94% 13.22% 13.54%
2005 3.00% 4.91% $44.30 0.54% 9.07% 11.52% 11.94% 12.48%
2006 13.62% 15.79% $51.30 6.19% 8.42% 10.64% 11.80% 13.37%
2007 3.53% 5.49% $54.12 12.83% 5.91% 10.49% 11.82% 12.73%
2008 −38.49% -37.00% $34.09 −2.19% −1.38% 6.46% 8.43% 9.77%
2009 23.45% 26.46% $43.11 0.42% −0.95% 8.04% 8.21% 10.54%
2010 12.78% 15.06% $49.61 2.29% 1.41% 6.76% 9.14% 9.94%
2011 0.00% 2.11% $50.65 −0.25% 2.92% 5.45% 7.81% 9.28%
2012 13.41% 16.00% $58.76 1.66% 7.10% 4.47% 8.22% 9.71%
2013 29.60% 32.39% $77.79 17.94% 7.40% 4.68% 9.22% 10.26%
2014 11.39% 13.69% $88.44 15.45% 7.67% 4.24% 9.85% 9.62%
2015 −0.73% 1.38% $89.66 12.57% 7.30% 5.00% 8.19% 9.82%
2016 9.54% 11.96% $100.38 14.66% 6.94% 6.69% 7.68% 9.15%
2017 19.42% 21.83% $122.30 15.79% 8.49% 9.92% 7.19% 9.69%
2018 −6.24% -4.38% $116.94 8.49% 13.12% 7.77% 5.62% 9.07%
2019 28.88% 31.49% $153.76 11.70% 13.56% 9.00% 6.06% 10.22%

12.01% Avg return

 104.01%
$ 1.19
$ 1.41
$ 1.21
$ 0.89
$ 1.22
$ 1.51
$ 1.40
$ 1.49
$ 1.77
$ 2.34
$ 2.23
$ 2.71
$ 3.32
$ 3.52
$ 4.64
$ 5.51
$ 5.80
$ 6.76
$ 8.90
$ 8.63
$ 11.26
$ 12.11
$ 13.33
$ 13.51
$ 18.59
$ 22.86
$ 30.48
$ 39.19
$ 47.44
$ 43.12
$ 37.99
$ 29.60
$ 38.09
$ 42.23
$ 44.30
$ 51.30
$ 54.12
$ 34.09
$ 43.11
$ 49.61
$ 50.65
$ 58.76
$ 77.79
$ 88.44
$ 89.66
$ 100.38
$ 122.30
$ 116.94
$ 153.76

10.38%
Year Avg Closing Price Year Open Year High Year Low Year Close Annual % Change
1970 $35.96 $35.13 $39.19 $34.78 $37.38 6.16%
1971 $40.80 $37.33 $43.90 $37.33 $43.50 16.37%
1972 $58.17 $43.73 $70.00 $43.73 $64.70 48.74%
1973 $97.12 $64.99 $127.00 $64.10 $112.25 73.49%
1974 $158.76 $114.75 $197.50 $114.75 $187.50 67.04%
1975 $160.87 $185.00 $186.25 $128.75 $140.25 -25.20%
1976 $124.80 $140.35 $140.35 $103.05 $134.55 -4.06%
1977 $147.84 $136.10 $168.15 $129.40 $165.60 23.08%
1978 $193.57 $168.60 $243.65 $166.30 $224.50 35.57%
1979 $307.01 $227.15 $524.00 $216.55 $524.00 133.41%
1980 $614.75 $559.00 $843.00 $474.00 $589.50 12.50%
1981 $459.16 $592.00 $599.25 $391.75 $400.00 -32.15%
1982 $376.11 $399.00 $488.50 $297.00 $448.00 12.00%
1983 $423.71 $452.75 $511.50 $374.75 $381.50 -14.84%
1984 $360.65 $384.00 $406.85 $303.25 $309.00 -19.00%
1985 $317.42 $306.25 $339.30 $285.00 $327.00 5.83%
1986 $368.20 $327.10 $442.75 $326.00 $390.90 19.54%
1987 $446.84 $402.40 $502.75 $392.60 $486.50 24.46%
1988 $436.78 $484.10 $485.30 $389.05 $410.15 -15.69%
1989 $381.27 $413.60 $417.15 $358.10 $401.00 -2.23%
1990 $383.73 $401.65 $421.40 $346.75 $391.00 -2.49%
1991 $362.34 $392.50 $403.70 $343.50 $353.40 -9.62%
1992 $343.87 $351.20 $359.30 $330.20 $332.90 -5.80%
1993 $360.05 $329.40 $406.70 $326.50 $390.65 17.35%
1994 $384.16 $395.00 $397.50 $370.25 $382.50 -2.09%
1995 $384.07 $381.40 $396.95 $372.45 $386.70 1.10%
1996 $387.73 $387.10 $416.25 $368.30 $369.55 -4.43%
1997 $331.00 $367.80 $367.80 $283.05 $289.20 -21.74%
1998 $294.12 $287.70 $314.60 $273.40 $287.45 -0.61%
1999 $278.86 $288.25 $326.25 $252.90 $290.85 1.18%
2000 $279.29 $282.05 $316.60 $263.80 $272.65 -6.26%
2001 $271.19 $272.80 $292.85 $256.70 $276.50 1.41%
2002 $310.08 $278.10 $348.50 $277.80 $342.75 23.96%
2003 $363.83 $342.20 $417.25 $319.75 $417.25 21.74%
2004 $409.53 $415.20 $455.75 $373.50 $438.00 4.97%
2005 $444.99 $426.80 $537.50 $411.50 $513.00 17.12%
2006 $604.34 $520.75 $725.75 $520.75 $635.70 23.92%
2007 $696.43 $640.75 $841.75 $608.30 $836.50 31.59%
2008 $872.37 $840.75 $1,023.50 $692.50 $865.00 3.41%
2009 $973.66 $869.75 $1,218.25 $813.00 $1,104.00 27.63%
2010 $1,226.66 $1,113.00 $1,426.00 $1,052.25 $1,410.25 27.74%
2011 $1,573.16 $1,405.50 $1,896.50 $1,316.00 $1,574.50 11.65%
2012 $1,668.86 $1,590.00 $1,790.00 $1,537.50 $1,664.00 5.68%
2013 $1,409.51 $1,681.50 $1,692.50 $1,192.75 $1,201.50 -27.79%
2014 $1,266.06 $1,219.75 $1,379.00 $1,144.50 $1,199.25 -0.19%
2015 $1,158.86 $1,184.25 $1,298.00 $1,049.60 $1,060.20 -11.59%
2016 $1,251.92 $1,075.20 $1,372.60 $1,073.60 $1,151.70 8.63%
2017 $1,260.39 $1,162.00 $1,351.20 $1,162.00 $1,296.50 12.57%
2018 $1,268.93 $1,312.80 $1,360.25 $1,176.70 $1,281.65 -1.15%
2019 $1,393.34 $1,287.20 $1,542.60 $1,270.05 $1,523.00 18.83%

Avg return

Correlation
$ 1.06
$ 1.24
$ 1.84
$ 3.19
$ 5.33
$ 3.98
$ 3.82
$ 4.70
$ 6.38
$ 14.88
$ 16.74
$ 11.36
$ 12.72
$ 10.84
$ 8.78
$ 9.29
$ 11.10
$ 13.82
$ 11.65
$ 11.39
$ 11.11
$ 10.04
$ 9.46
$ 11.10
$ 10.87
$ 10.99
$ 10.50
$ 8.22
$ 8.17
$ 8.26
$ 7.75
$ 7.85
$ 9.74
$ 11.85
$ 12.44
$ 14.57
$ 18.06
$ 23.76
$ 24.57
$ 31.36
$ 40.06
$ 44.73
$ 47.27
$ 34.13
$ 34.07
$ 30.12
$ 32.72
$ 36.83
$ 36.41
$ 43.26

7.67%

-0.206291