The 2 keys to reaching your retirement goal. You will be able to reach your retirement goal only if you can (1) increase your plan's Average Annual Returns (AAR) with low risk during up markets, and (2) protect those returns during the inevitable severe down markets that you'll see in your lifetime.

Calculate YOUR personal retirement plan goal. Use the Compass Investors' Retirement Goal Calculator™  to determine what your retirement goal should be and when you can expect to reach it.

From the Retirement Goal Calculator you can access the Compass Investors' Average Annual Return (AAR) Calculator™ to determine how your investment returns have been for your own retirement plan.

No current retirement plan investment choice alone (i.e., money market, traditional (aka, Pie-Chart) asset allocation approaches such as Lifecycle and Target Date funds, etc.) can provide you with a high enough AAR to allow you to reach the retirement plan goal.

Click for a comparison chart of historical expected AARs.