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The rate of return you earn on savings and investments will have a large effect on how long your money lasts. There have been long periods of time where safe investments (like CDs and government bonds) earned a decent interest rate and periods of time (like now) where interest rates are quite low. Same with stocks.
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Fed holds rates steady. Here’s what that means for you – Over the same period, investors would have lost money in the stock market, after the S&P 500 and Dow Jones Industrial Average ended last year by finishing in. according to Bankrate. Most credit.