Page 16 - Exposed Final

According to our handy dandy future value calculator, if we start with an

initial investment of $100,000 and invest $5,500 per year at 9.92% over the

next 20 years, you will be a millionaire! Wow -- that was easy.

Now it's time for a reality check. The chart below depicts the 20-year stock

market return (1993-2012), and yes, the average rate of return was 9.92%,

but the ending account value is only $703,597, which is an actual rate of

return of 7.70%.

*Source: www.standardandpoors.com