[JLP]

You would have to invest $8,827 per year for 30 years at 8% ROR to get to $1,000,000.

I just set up a spreadsheet using the $8,827 as the annual contribution. First I ran it saying that you lose 2% per year for the first 5 years and then gain 8% per year thereafter. At the end of 29 years, your account balance would be $824,503. Yes, you wouldn't reach your million dollar goal.

But, I ran the numbers using the same $8,827 annual contribution amount, assuming you get an 8% ROR for the first 20 years and a 2% loss per year for the last 5 years. At the end of 29 years, your account balance would be $566,287.

Pretty interesting stuff.

JLP