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But most people probably wouldn't need to save as much as that because (1) nobody in Lee's study turns out to need a replacement rate as high as 40 percent; (2) she uses a conservative stock/bond allocation model that has investors holding large amounts of lower-earning bonds instead of higher-earning stocks as they get older; (3) she uses conservative estimates of returns for stocks and bonds; and (4) she isn't counting on employer matches in 401(k) savings or any other sources of retirement savings or income. An investor could make up a savings deficit by investing a higher percentage in stocks - or by earning more on them - than Lee assumed.
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Mr McCain and Mr Menendez were among 10 members of the foreign relations panel who voted last week to approve a resolution authorizing President Barack Obama to use military force against Syria. |
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