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Appendix E
Foregone capital accumulation relative to total savings
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Table 1: 0 Percent Real Wage Growth
| |
No Management Expense Ratio |
| |
Low Risk |
Moderate Risk |
Average Risk |
High Risk |
Aggressive Risk |
| |
(10% Equity) |
(20% Equity) |
(30% Equity) |
(40% Equity) |
(50% Equity) |
| Age 25 |
18.8% |
37.6% |
56.4% |
75.2% |
94.0% |
| Age 35 |
16.0% |
32.0% |
48.0% |
64.0% |
79.9% |
| Age 45 |
13.6% |
27.3% |
40.9% |
54.6% |
68.2% |
| |
Management Expense Ratio |
| |
Low Risk |
Moderate Risk |
Average Risk |
High Risk |
Aggressive Risk |
| |
(10% Equity) |
(20% Equity) |
(30% Equity) |
(40% Equity) |
(50% Equity) |
| Age 25 |
22.5% |
45.0% |
67.5% |
90.1% |
112.6% |
| Age 35 |
18.2% |
36.5% |
54.7% |
72.9% |
91.1% |
| Age 45 |
14.8% |
29.7% |
44.5% |
59.3% |
74.2% |
Table 2: 1 Percent Real Wage Growth
| |
No Management Expense Ratio |
| |
Low Risk |
Moderate Risk |
Average Risk |
High Risk |
Aggressive Risk |
| |
(10% Equity) |
(20% Equity) |
(30% Equity) |
(40% Equity) |
(50% Equity) |
| Age 25 |
19.6% |
39.2% |
58.8% |
78.4% |
98.0% |
| Age 35 |
16.4% |
32.8% |
49.1% |
65.5% |
81.9% |
| Age 45 |
13.8% |
27.6% |
41.4% |
55.2% |
68.9% |
| |
Management Expense Ratio |
| |
Low Risk |
Moderate Risk |
Average Risk |
High Risk |
Aggressive Risk |
| |
(10% Equity) |
(20% Equity) |
(30% Equity) |
(40% Equity) |
(50% Equity) |
| Age 25 |
23.7% |
47.4% |
71.1% |
94.8% |
118.5% |
| Age 35 |
18.8% |
37.6% |
56.3% |
75.1% |
93.9% |
| Age 45 |
15.0% |
30.1% |
45.1% |
60.2% |
75.2% |
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