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Show P . Je anuary Volume 1, lssue 3 S i e The Ogden Valley News B V0 T e T L e e e e e e ~ —Page10 T T Tyl TR 8 Ve Tl ™ Ty T T T ST I g "Davrd . Carver l—lentage Fmancral Group, Many of the retirement plans available today allow plan partrcrpants to select from a range of several investment options. Deciding your allocation mix is a personal decision that is very, very !mportant for you. Your account options could have i returns that vary Wldely over time. A small difference of two percent in average P annual return can increase or decrease your plan benefit by 25 percent ll’ you are a 20- year partlcrpant over 50 percent lf you are a 30 -year parhcrpantl = g et e ~, W T T T ™ Are you a knowledgeable lnvestor? Take this short quiz to see (guess lf you dont ‘know so you can see how close your expectations are to reality). Questlons are | {based on the performance of the S&P 500 lndex for the last 30 years e e AT A How many years has the market had gams in the last 30 years'? How many RN What is the biggest annual galn'? - What is the biggest annual loss? oy , | 3 , have had losses? - e What is the average annual return for the last 30 years’? I STy @ What is the longest string of annual consecutlve losses seen lnthe last 30 years'7 | What lS the longest strrngof annual galns‘? ' | R T ST e e :,-5*> nswers " The market has had 23 galns 7 losses in the last 30 calendar years g ~ Roughly that means we have had decllnes 1/4 of the tame ‘gains 3/4 of the ~ The The The The lost ~ . NS market gamed 37 2 % in 1975 market lost 26.5 percent in 1974 i average return for the last 30 years is 9. 78 %t. R market suffered two consecutive large losses in ‘73 and 74 lnvestors 37.3% of assets during that tlme But those who stayed invested galnedfj . T T TN S T T Tt T AN - time. ety N ' . il they are. | o e i i R ' B \f e it 71¢ | PRSI 1Y O 1] 11 N\ 1] “back all losses and more ‘when the market gained T 814 .1 All Phases of General | ergrry ' § i ' Conveniently Located in Eden .* Nitrous Oxide, Stereo & Vrdetrg B * Most Insurance Accepted § * Cosmetic Denti stry,rrallapl Memper ADA. ;372% ln1975and [ & 6Themarkethadeight consecutive gains from 1982 through 1989. For every $1,000 invested at the beginning of that tlme had over $4 OOO at the endl | ’lt your answers were not close to the correct ones, 'you might wish to learn ‘more about the investment : markets. Ask your plan admtnlstrator for educa‘tional materlals that can assist you in making more informed decusrons when ‘planning for retirement and . . j'?‘-rnvestlng your plan assets ,,,,, We ..... B rlta in l}azrg Ererrrt;& Satrzrday~ Haars S i EpZ? North Hi gtrear ‘l*'l §'~;. | - €den FOR APPOINTMErrr S Cfill.l, This information is provrd- ed courtesy of Ascend Financial Services, Inc., ‘member NASD/SIPC. 98- v 0227- 85002R T Frorn Davrd L Carver ' Heritage Fmancral Group, 801 791 0075 * | |