You are good at math? take your social security report (everyone gets one) run a spreadsheet using the Social Security amounts withdrawn from your income and use the annual average stock market gain for each year from the time you started paying social security tax to today. The average annual return data is available on the web. You wouldn't be one of the "big boys" in the market, but you'd undoubtedly be a much "bigger" gal than the S.S. administration is going to make you.
Please don't use that tired old response about losing all your $ in the market. If that really concerns you then use the 6 month treasury instead (data is available). The returns aren't quite as good but they're not bad, and virtually risk free.
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