1. Things Heard on the News Recently
“Recession”
“Fiscal Cliff”
“Unemployment”
“Bad Economy”
“Occupy Wall Street”
“Get Out of the Stock Market”
“The Middle Class is Shrinking”

2. Stock Market (Equities) Returns
What do you think the average rate of return for the S&P 500 over the past few years:
Poor (Negative – 2%)
Marginal (2-5%)
Decent (6% - 8%)
Very Good (8% - 12%)
Excellent ( >12%)

3. Stock Market (Equities) Returns
Actual Annual Rate of Returns for S & P 500
2009
23.45%
2010
12.78%
2011
-0.00%
2012
13.41%