3 Chapter 10TABLE 10-1 Asset Allocation Guidelines for the Long HaulTABLE 10-2 2022 Federal Income Tax Brackets and RatesTABLE 10-3 2022 Federal Income Tax Rate on Long-Term Capital Gains and Stock Div...TABLE 10-4 Worst Performing Diversified U.S. Stock Funds versus Market Indexes

4 Chapter 12TABLE 12-1 Interest Rate Increases Depress Bond Prices

5 Chapter 13TABLE 13-1 Great Plunges (20 Percent or More) in the Dow Jones Industrial Averag...TABLE 13-2 Great Surges in the Dow Jones Industrial Average after Major Market D...

6 Chapter 15TABLE 15-1 Eric’s Keep-It-Simple Portfolio

7 Chapter 17TABLE 17-1 Components of a Fund’s ReturnsTABLE 17-2 Bond IndexesTABLE 17-3 U.S. Stock IndexesTABLE 17-4 International Stock Indexes

8 Chapter 23TABLE 23-1 Adding Up All the Costs

List of Illustrations

1 Chapter 1FIGURE 1-1: Historic probability of different U.S. stock returns. FIGURE 1-2: Historic probability of different U.S. bond market returns.

2 Chapter 7FIGURE 7-1: How to spot load funds.

3 Chapter 8FIGURE 8-1: The table of contents shows you what’s covered in the prospectus. FIGURE 8-2: The fund summary provides a digest of the fund’s key features. FIGURE 8-3: The fund profile summarizes performance data. FIGURE 8-4: Important details about the fund. FIGURE 8-5: Investment objectives and risks. FIGURE 8-6: More investment objectives and risks. FIGURE 8-7: Still more investment objectives and risks. FIGURE 8-8: The investment advisor actually manages the fund’s money. FIGURE 8-9: Financial highlights. FIGURE 8-10: Introduction. FIGURE 8-11: Investment advisor’s insights and reflections. FIGURE 8-12: Total investment returns, year by year. FIGURE 8-13: Investment holdings of the fund. FIGURE 8-14: Bond holdings of the fund.

4 Chapter 12FIGURE 12-1: A yield curve chart.

5 Chapter 18FIGURE 18-1: Form 1099-DIV reports dividends and capital gains your funds paid....FIGURE 18-2: Here’s where funds report your retirement plan distributions.

6 Chapter 19FIGURE 19-1: A sample letter to specify funds with discount brokers.

7 Chapter 23FIGURE 23-1: Initialing this section gives the advisor control over investing y...