Financial Toolset

Calculateur d'Écart d'Épargne-Retraite - Êtes-Vous sur la Bonne Voie?

years
$
$
$
%

Percentage of your contribution that employer matches

years
%

Percentage of pre-retirement income you'll need

$ years
%

Typical stock market average is 7-10%

%

Long-term average is around 3%

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Sources & References

S&P 500 Historical Returns

• Average annual return (1926-2024): ~10% nominal, ~7% inflation-adjusted
• Standard deviation: ~20% (indicating significant year-to-year volatility)
→Source: NYU Stern - Historical Returns on Stocks, Bonds and Bills(2024)

Dividend Yields

• S&P 500 average dividend yield: 1.5-2.0% (as of 2024-2025)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
→Source: S&P Dow Jones Indices(2024-2025)

Bond Returns

• 10-Year Treasury bonds: ~5% average annual return (1926-2024)
• Corporate bonds (investment grade): ~6% average annual return
→Source: NYU Stern - Corporate Finance Data(2024)

Inflation Rate

• Long-term average: ~3% annually (1926-2024)
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
→Source: Bureau of Labor Statistics - Consumer Price Index(2024)

Important

Past performance does not guarantee future results. Market returns vary significantly year-to-year. These are long-term historical averages.

⚠️ Important