Submitted by dennisj9 t3_11duvjl in personalfinance
WhatRUsernamesUsed4 t1_jadd7yw wrote
Reply to comment by FD_4LYFE69 in My Roth IRA is 100% invested into VTSAX. Is it an issue to keep investing in VTSAX each year? by dennisj9
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The average return of VTSAX since it's inception is 7.15%, idk where you got 11.5 from.
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I'm about the same age and you are assuming we will be lucky enough to match the greatest bull runs of human history. It's far more likely our parents just had better investment opportunities than we will ever have access to.
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The needs of a 64 yo who started investing a while ago and a 64 yo who started investing last year will still be the same. A 20% hit would affect both the exact same. Monetary needs are forward moving.
2wheeloffroad t1_jadu3ms wrote
The second chart on this page is interesting
https://www.longtermtrends.net/stocks-vs-bonds/
Shows how crazy the market is compared to so an early 40 year window - so ya, good chance we won't repeat this as much if it was due to deficit spending. It also shows how much worse bonds have performed.
FD_4LYFE69 t1_jado23x wrote
Sorry bro your post makes zero sense. I wish you luck in your wealth building FYI VTSAX closely mirrors s&p 500 which has a non inflation adjusted return of 11.58%. Lets touch base in 30 years and see who has more money :)
WhatRUsernamesUsed4 t1_jadovxd wrote
You might want to report that to Vanguard then, because it literally shows it's yield since inception as 7.15% https://imgur.com/a/mGCNpiW
FD_4LYFE69 t1_jadpenl wrote
S&p500 is what you want to look at
acxswitch t1_jadsgxm wrote
The s&p 500 is older than 2000.
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