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http://www.macrotrends.net/2490/sp-500-ytd-performance http://www.macrotrends.net/2505/dow-jones-ytd-performance IRAs tend to be pretty conservative and incur fees, therefore have lower returns. With the proper mix of investments higher returns are possible with only moderate risk. Sent from...

As others have said, in today's market 9% is achievable without taking on too much risk. If you are risk-adverse you could take on lower risk and a lower return, but still more than your mortgage rate. Also, and this should have been built into the spreadsheets, paying down your mortgage may not...