Do you have
401(k) or IRA's?
Don't be mislead
by Wall Street Companies!
Get more out
of your retirement!
Maximizing Returns while Minimizing Risk and Taxes, for your Retirement Savings and Planning.

Do you have a 401(k), 403(b), IRA, Mutual Fund, Stocks, Bonds or other Investments whether they are for Retirement, College Funding, General Savings, there are things that Wall Street and the Mutual Fund Companies Do Not Want You to Know!

The Mutual Fund Companies and Wall Street only want you to see Average Returns, not the actual returns you make, there can be a very big difference.


If you put in $10,000 a year into the S&P 500 from 1995 to 2002 you would have an average return of 10.63%


SP500 Average Returns

Annual Rate of Return between 1995 through 1999

If you add up all the returns you get 85.03% and Divide that by 8, you will have an average return of 10.63%. If you actually made 10.63% on your deposits you would have grown to: $129,446. The important thing is what did you actually make with your $10,000 deposits for 8 years?

Check out the difference between the Average Rate of Return vs. the Real Rate of Return

Your $80,000 in deposits would be worth only $81,856 because of the negative last 3 years wiping out the gains of the first 5 years, which was a record 5 year period. The mutual fund companies and Wall Street would stress you averaged over 10% even though you actually didn’t even earn 1%.

Actual Returns Differ from Average Returns

The Average Return you see reported would be 10.63% even though you didn’t come close to making that, in fact you made less than 1.00%

The Regulators, Wall Street and the Mutual Fund Companies are fine saying you Averaged over 10% even though you actually made less than 1%


If you think Wall Street and the Mutual Fund Companies are misleading you, then you are correct and getting bad advice.

Actual Returns Differ from Average Returns

The Regulators, Wall Street and the Mutual Fund Companies are fine saying you Averaged over 10% even though you actually made less than 1%

If you think Wall Street and the Mutual Fund Companies are misleading you, then you are correct and getting bad advice.

12 Year Values

Chart shows deposits annually of $10,000