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Take this analysis via this WaPo article: Consider an average-wage two-earner couple together earning $89,000 a year.

Upon retiring in 2011, they would have paid $114,000 in Medicare payroll taxes during their careers.

But credit report scores free Mankato they can expect to receive medical services including prescriptions and hospital care worth $355,000, or about three times what they put in. [...] The same hypothetical couple retiring in 2011 will have paid $614,000 in Social Security taxes, and can expect to collect $555,000 in benefits. Find more in Insurance, Retirement | 9/16 | 53 Comments I dont usually post market forecasts, but I just wanted to jot this one down for posterity. Jack Bogle, founder of Vanguard, is interviewed in a WSJ article Why a Legendary Market Skeptic Is Upbeat About Stocks where he makes a prediction credit report scores free Mankato of 7% annual returns for stocks for the upcoming decade.

He correctly predicted 10%+ gains for the 1990s, and also low single-digit returns for the 2000s. Bogle said stocks are likely to credit report scores free Mankato generate an average annual return, including dividends, of around 7%. credit history report free People ought to get over the illusion [of higher expectations] and realize that they may have to invest for longer time periods, start earlier and save more. There other good observations in the article, although they wont surprise any Bogle followers. I previously wrote about Bogles future return prediction credit report scores free Mankato methodology where total stock returns are the sum of earnings growth (credit report scores free Mankato aligns with GDP growth), dividend credit report scores free Mankato yield, and P/E ratio changes. The diagram below is reproduced from his 2007 book Little Book of Common Sense Investing, which also shows us a 7% forward prediction at the time. Well, credit report scores free Mankato weve got some catching up to credit report scores free Mankato do Find more in Investing credit report scores free Mankato | 9/15 | 12 Comments Theres a ways to go, but were still aiming to retire within the next 10 years. free credit report number As such, Ive been thinking about what happens when we want to live off of withdrawals from our retirement portfolio. According to the passively-managed Target Date funds by Vanguard, if you reach retirement youre directed to the Vanguard Target Retirement Income fund. Another popular option for retirees is the Vanguard Wellesley Income Fund, which has been around for over 40 years, and is actively-managed by Wellington Management Company, an advisory company that has been around since the Great Depression. Lets take a quick look to see how these two funds compare. This fund seeks to provide current income and some capital appreciation. The approximate asset allocation is 30% stocks, 65% bonds, and 5% cash.

It is a fund of funds, holding the Vanguard Total credit report scores free Mankato Bond Market II Index Fund, Vanguard Total Stock Market Index Fund, Vanguard Inflation-Protected Securities Fund, Vanguard Prime Money Market Fund, and Vanguard Total International Stock Index Fund.

Here is the current asset allocation per Vanguard as well as the equity and bond style credit report scores free Mankato boxes from Morningstar. totally free credit reports Number of stocks held: 9,958 (3,323 US + 6,635 Foreign) Number of bonds held: 4,486 (4,450 nominal bond + 36 TIPS bonds) Expense ratio: 0.17% ($170 a year on a $100,000 balance) This is an income-oriented balanced fund, credit report scores free Mankato which is another way of saying the same thing as above.