* This is a hypothetical scenario for illustration purposes only and does not represent an actual investment in any product. Actual investments can fluctuate in value and there is no assurance that these results can or will be achieved. It does not include performance risks, expenses, fees or taxes associated with any actual investment, which would lower results. Rate of return is an assumed constant nominal rate, compounded monthly. It is unlikely that any one rate of return will be sustained over time. Investing entails risk, including possible loss of principal. Numbers are rounded to the nearest dollar in some cases. Retirement needs vary by income and cost of living—$1 million isn't an adequate goal for every saver.