---
title: "Retirees are realizing a $1 million nest egg at 62 only means $29,630 in real spending power"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/286981593.md"
description: "Retirees with a $1 million nest egg at 62 find their real spending power is only $29,630 due to rising interest rates. The iShares 20+ Year Treasury Bond ETF (TLT) has faced significant losses as the 10-year Treasury yield increased from 2% to 4.61%, while the S&P 500 rose by 194%, highlighting the risks of conservative investments in a rising-rate environment."
datetime: "2026-05-20T00:37:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286981593.md)
  - [en](https://longbridge.com/en/news/286981593.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286981593.md)
---

# Retirees are realizing a $1 million nest egg at 62 only means $29,630 in real spending power

Quick Read The iShares 20+ Year Treasury Bond ETF (TLT) suffered significant losses as the 10-year Treasury yield climbed from 2% a decade ago to 4.61% today, while the S&P 500 gained 194% over the same period, demonstrating the cost of excessive conservatism in a rising-rate environment. Morningstar now recommends a 3...

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