What if I told you that you could go from $0 to $1 million in 30 years while only investing $170 per month? It sounds pretty great, especially for workers who weren't able to save much, if anything, in the first decade of their careers. But there's one tiny problem with this example: It's way too optimistic.

In order to pull this off, you'd need to earn an impressive 15.3% average annual return. A recent Natixis survey reveals this is what many Gen X workers expect they'll earn. But the reality isn't so rosy. Below, we'll talk about more reasonable expectations and how to adjust your retirement plan accordingly.

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Source Fool.com