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Don’t Make Me Say I Told You So 207

dramatically affect your retirement income and your retirement
lifestyle.

Return Rates for 1-Year CDs

6%

5%

4%

3%

2%

1%

0%
1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
Source: Bankrate.com, 2020

Let’s look at an example of a $500,000 portfolio invested at

the beginning of 1999. How much annual income would each
investment have produced?

Chapter 5: Things That Can Wreck Your Retirement