Based on the chart at http://www.macrotrends.net/2324/sp-5...cal-chart-data. Since the driving purpose is to see how much the DW and I would have earned if our FICA taxes would have been invested in the stock market instead of in the Ponzi scheme that is Social Security, the figures are based on growth since the middle of each year, ending 31-Dec-2016.
What leaps out at me are the number of years where the growth rate is less than 5%, and the number of years where the growth is less than 4%. For 1998 and 1999, the growth rates are less than 1%!

One thing I haven't taken into account is the effect of reinvested dividends. EDIT: I found one at http://www.multpl.com/s-p-500-dividend-yield/table.
PM me if you'd like a copy of the underlying spreadsheet.
What leaps out at me are the number of years where the growth rate is less than 5%, and the number of years where the growth is less than 4%. For 1998 and 1999, the growth rates are less than 1%!


One thing I haven't taken into account is the effect of reinvested dividends. EDIT: I found one at http://www.multpl.com/s-p-500-dividend-yield/table.
PM me if you'd like a copy of the underlying spreadsheet.