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Chris Turner, 2012

CPI Adjusted Performance


1990-2012
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1989-2012
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1988-2012
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


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

CPI Adjusted Performance


1986-2012
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1985-2012
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

CPI Adjusted Performance


1984-2012
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

CPI Adjusted Performance


1983-2012
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

CPI Adjusted Performance


1982-2012
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

CPI Adjusted Performance


1981-2012
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

CPI Adjusted Performance


1980-2012
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

CPI Adjusted Performance


1979-2012
Mattress

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1978-2012
Mattress

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1977-2012
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

CPI Adjusted Performance


1976-2012
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

CPI Adjusted Performance


1975-2012
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

CPI Adjusted Performance


1974-2012
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

CPI Adjusted Performance


1973-2012
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

CPI Adjusted Performance


1972-2012
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

CPI Adjusted Performance


1971-2012
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

CPI Adjusted Performance


1970-2012
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

CPI Adjusted Performance


1969-2012
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

CPI Adjusted Performance


1968-2012
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

CPI Adjusted Performance


1967-2012
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

CPI Adjusted Performance


1966-2011
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

CPI Adjusted Performance


1965-2010
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

CPI Adjusted Performance


1964-2009
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

CPI Adjusted Performance


1963-2008
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

CPI Adjusted Performance


1962-2007
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

CPI Adjusted Performance


1961-2006
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

CPI Adjusted Performance


1960-2005
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

CPI Adjusted Performance


1959-2004
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

CPI Adjusted Performance


1958-2003
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

CPI Adjusted Performance


1957-2002
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

CPI Adjusted Performance


1956-2001
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

CPI Adjusted Performance


1955-2000
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

CPI Adjusted Performance


1954-1999
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

CPI Adjusted Performance


1953-1998
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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


1943-1988
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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


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

CPI Adjusted Performance


1936-1981
Mattress

600,000

500,000

400,000

300,000

200,000

100,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


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

CPI Adjusted Performance


1934-1979
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

CPI Adjusted Performance


1933-1978
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

CPI Adjusted Performance


1932-1977
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

CPI Adjusted Performance


1931-1976
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

CPI Adjusted Performance


1930-1975
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

CPI Adjusted Performance


1929-1974
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

CPI Adjusted Performance


1928-1973
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

CPI Adjusted Performance


1927-1972
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

CPI Adjusted Performance


1926-1971
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

CPI Adjusted Performance


1925-1970
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

CPI Adjusted Performance


1924-1969
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

CPI Adjusted Performance


1923-1968
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

CPI Adjusted Performance


1922-1967
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

CPI Adjusted Performance


1921-1966
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

CPI Adjusted Performance


1920-1965
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

CPI Adjusted Performance


1919-1964
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1918-1963
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1917-1962
Mattress

300,000

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1916-1961
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks and Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1915-1960
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks + Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1914-1959
Mattress

250,000

200,000

150,000

100,000

50,000

All Stocks

Stocks + Bonds

All Bonds

Chris Turner, 2012

CPI Adjusted Performance


1913-1958
Mattress

All Stocks

Stocks and Bonds

All Bonds

200,000

180,000

160,000

140,000

120,000

100,000

80,000

60,000

40,000

20,000

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

CPI Adjusted Savings Over 45 Year Career


Mattress

All Stocks

1,800,000

1,600,000

1,400,000

1,200,000

1,000,000

800,000

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) .
The line on top shows which method produced the
best return.
- The Mattress line simply shows saving 10% per
month and doing nothing.
- All stocks line shows retirement based on
performance of S&P 500.
- All bonds line shows retirement based on
performance of 10 year bond.
Bonds outperformed stocks 38 to 17 years.

600,000

400,000

200,000

Stocks + Bonds

All Bonds