How about thinking in this way--

来源: 于 2012-04-03 07:39:49 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

For 20W life insurance, you can find the premium based on your age. Let's assume 300 a year.

Then, you have basically 900 to invest.

And you assume a rate, from 7-9 percent annually based on historical SP 500 index return. See how many years you need to reach 20W. This is the calculator:

http://cgi.money.cnn.com/tools/savingscalc/savingscalc.html

Let me know the rate you need to reach 20W.