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For Investors Nearing Retirement, Time Is Not Always on Their Side
MutualFundReform.com 
July 17, 2013
"[W]ith the huge losses in both home prices and in their equity portfolios, anyone approaching retirement should be trying to recoup their losses as fast as possible. But the basic mathematics of finance is against that.... If you owned an S&P 500 index fund in 2008, that fund fell by 37.5%. To recoup this loss, it would take an investor over five years to recover this loss assuming the traditionally-accepted 9.4% historical rate of return in the S&P 500 Index with dividends re-invested."
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