Benchmark Comparison
See how your target return compares to popular investment strategies.
Your Investment Target
10%
1%
5%
10%
15%
How You Compare
Conservative (Bonds)
4-5%
Target Date Funds
5-7%
Traditional 401(k)
6-8%
FIRE Movement (7% real)
7%
YOUR TARGET
10%
Your Goal
S&P 500 Historical
~10%
Aggressive Growth
12%
At 10%, you're aiming for S&P 500-level returns - historically achievable with a diversified stock portfolio.
Time to Financial Independence
Investing $1,000/month to reach $1,000,000
5%
30.5 years
7%
25.5 years
10%
21.5 years
12%
19.0 years
At 10%, you reach FI 4 years faster than the FIRE standard (7%)!
Benchmark Reference
| Benchmark | Expected Return | Risk Level | Best For |
|---|---|---|---|
| Conservative (Bonds) | 4-5% | Low | Near-retirement, risk-averse |
| Target Date Funds | 5-7% | Low-Med | Hands-off investors |
| Traditional 401(k) | 6-8% | Medium | Working professionals |
| FIRE Movement | 7% (real) | Med-High | Early retirement seekers |
| S&P 500 Historical | ~10% | Med-High | Long-term investors |
| Aggressive Growth | 12%+ | High | Risk-tolerant, long horizon |
Start Tracking Your Progress
Set up your investment goals and see how you're performing against these benchmarks.