Anticipated Rate of Return

Enter an assumed annual ongoing rate of return for your retirement plan. The maximum permitted for input is 8%. If you're not sure what amount to input for rate of return, some historical performance returns for major asset classes are included here for your reference. Although past performance is no guarantee of future results, from year-end 1925 to year-end 2002, annual returns for the following investment classes were as follows:*

• Large Cap Stocks: 10.20%
• Small Cap Stocks: 12.10%
• Long-Term Corporate Bonds: 5.90%
• Long-Term Government Bonds: 5.50%
• T-Bills: 3.80%

*Source: Ibbotson Associates - Stocks, Bonds, Bills and Inflation 2003 Yearbook.