Dollars and Diagrams

“What Shall We Choose to Give Us the Maximum Chance of Independence?”


Over the past (almost) 40 years, the S&P 500 has been an exceptionally good place to build wealth. During this 39.5-year period, the average rate of return is 11.95% per year.

According to JP Morgan’s Guide to The Market, the S&P 500 has averaged an 11.3% rate of return from 1950-2020.

The worst 20-year rolling rate of return was 6% per year (the best was 17%).

I feel very comfortable building my plan around a 6% rate of return and being optimistic for more!


Information in this material is for general information only and not intended as investment, tax, or legal advice. Please consult the appropriate professionals for specific information regarding your individual situation prior to making any financial decision.

This is not a recommendation for VFINX.  This was to simply illustrate the long-term performance of the S&P 500 (an index that you cannot invest in directly).  Past performance is no indication of future results.


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graphic 10 actions to take

10 Actions To Take 10 Years Before Retirement

In this paper we discuss 10 actions you should take to develop and deploy a successful long-term wealth plan. It will help you make decisions about your financial journey today and well into your retirement chapter.

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