LOWERED ROI OUTLOOK

Solution:

Many doctors are hoping that thebear market, now in its third year, isjust a bump on the road back to the20%+ annual gains of the late 1990s.It's time for those investors to getreal, some market mavens say. Thefinancial world has changed, and areturn to the go-go days of 5 yearsago is not in the cards.A dose of realityis especially necessary for physician-investors who are factoring averageannual gains of 15%, 20%, ormore into their retirement planning.Those who do that risk coming upshort, the experts say. Startputting more money into your retirementfunds so that you can still reachyour goals, even with lower gains.