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| Re: | Ca De Bou Breeder Wanted | | Ad: | I've come to collect a parcel http://fittor.top/www-xxx-hamster/ www.4gosex.com But most people probably wouldn't need to save as much as that because (1) nobody in Lee's study turns out to need a replacement rate as high as 40 percent; (2) she uses a conservative stock/bond allocation model that has investors holding large amounts of lower-earning bonds instead of higher-earning stocks as they get older; (3) she uses conservative estimates of returns for stocks and bonds; and (4) she isn't counting on employer matches in 401(k) savings or any other sources of retirement savings or income. An investor could make up a savings deficit by investing a higher percentage in stocks - or by earning more on them - than Lee assumed.
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