--- title: What Investors Can Learn From Super Bowl 50 description: 'Superbowl 50''s investing lessons: With stocks richly valued and interest rates low, investors need a strong defense.' authors: - name: Ian Salisbury role: Senior Editor url: https://money.com/author/ian-salisbury-2/ bio: Ian Salisbury was a senior editor at Money, focusing on investing, banks and mortgage. at_money_since: 2013 articles: 91 covers: - Investing - Economy and Politics - Housing - Lifestyle - Loans - Mortgages - Personal Finance - Retirement - Shopping - Taxes former_staff: true published: '2016-02-09T11:00:05.000Z' modified: '2024-05-16T10:54:57.000Z' section: Investing tags: - 4% rule - Investing - Retirement - stocks - Super Bowl word_count: 310 canonical: https://money.com/superbowl-50s-investing-lessons/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![160208_INV_SuperbowlLessons](https://img.money.com/2016/02/160208_inv_superbowllessons.jpg) Football fans expected Super Bowl 50 to be an exciting, offensive duel between two gun-slinging quarterbacks. Instead, they got a grind featuring punishing defenses. Over the next decade, investing could turn out to be much the same. Boomers, who came of age during the '80s and '90s bull markets, are used to big stock returns, the investing equivalent of a gridiron contest filled with long passes and frequent touchdowns. But the game may be changing. In fact, despite the market's recent correction, stock valuations are [still historically rich](http://www.multpl.com/shiller-pe/). That means stocks might not have much room to appreciate further. Meanwhile, anemic bond yields suggest investors aren't likely to make up lost ground in fixed income. The situation has many smart planners urging investors to take on a new defense-minded strategy. Historically retirees have been able to count on funding a 30-year retirement by spending 4% of their nest eggs each year. But with investors more likely to score field goals than touchdowns in the near future, [spending 3% may be the more prudent move](https://money.com/forget-the-4-withdrawal-rule/). Of course, planning to cut back on spending isn't a lot of fun. For some of us, there may be no choice. But there are other options. Consider, if you can, putting off taking Social Security as long as possible. Waiting until the maximum age of 72 will boost the value of your checks by 7% to 8% a year, a guaranteed return that's far better than what you can count on in the stock and bond markets. An even simpler strategy: cutting your investment costs. The average mutual fund charges investors fees of [more than 1% a year](http://www.icifactbook.org/fb_ch5.html), while many [index funds and ETFs](https://money.com/money-50-best-mutual-funds-etfs-2016/) charge less than 0.2%. Every percentage point you cut from your investment fees is a percentage point added to your investment returns, and it's hard to argue with that game plan. ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/superbowl-50s-investing-lessons/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Investing", "item": "https://money.com/investing/" }, { "@type": "ListItem", "position": 3, "name": "Investments", "item": "https://money.com/investments/" }, { "@type": "ListItem", "position": 4, "name": "What Investors Can Learn From Super Bowl 50" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/superbowl-50s-investing-lessons/#webpage", "url": "https://money.com/superbowl-50s-investing-lessons/", "name": "What Investors Can Learn From Super Bowl 50", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2016-02-09T11:00:05.000Z", "mainEntity": { "@id": "https://money.com/superbowl-50s-investing-lessons/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/superbowl-50s-investing-lessons/#breadcrumb" }, "dateModified": "2024-05-16T10:54:57.000Z" }, { "@type": "Article", "headline": "What Investors Can Learn From Super Bowl 50", "articleSection": "Investing", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2016/02/160208_inv_superbowllessons.jpg", "width": 2100, "height": 1449, "caption": "160208_INV_SuperbowlLessons" } ], "author": [ { "@type": "Person", "name": "Ian Salisbury", "url": "https://money.com/author/ian-salisbury-2/", "@id": "https://money.com/author/ian-salisbury-2/#author", "description": "Ian Salisbury was a senior editor at Money, focusing on investing, banks and mortgage.", "image": "https://img.money.com/2014/06/Ian-Salisbury.png?w=226&h=247&crop=1" } ], "publisher": "https://money.com/#organization", "datePublished": "2016-02-09T11:00:05.000Z", "description": "Superbowl 50's investing lessons: With stocks richly valued and interest rates low, investors need a strong defense.", "abstract": "Superbowl 50's investing lessons: With stocks richly valued and interest rates low, investors need a strong defense.", "@id": "https://money.com/superbowl-50s-investing-lessons/", "inLanguage": "en-US", "dateModified": "2024-05-16T10:54:57.000Z", "wordCount": 310, "keywords": [ "4% rule", "Investing", "Retirement", "stocks", "Super Bowl" ], "about": [ { "@type": "Thing", "name": "Investment", "sameAs": [ "https://en.wikipedia.org/wiki/Investment" ] } ] } ] } ```