Quote:
Originally Posted by B33R_Runner
Actually, much better than that: 10.92% annualized return (noted on the right side of the image). Remember, the $180,000 was invested monthly over the entire 10-yr period, not a big chunk at the beginning.
Conversely, here's another 10-yr hypothetical with the same fund; this time it starts on 1/1/1999 and ends on 1/1/2009. Quite the difference. The $180,000 turns into ~$155,000. Ouch. Sometimes timing sucks.
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Very interesting. Thanks for the data points. Is this tool accessible by anyone?
I bet if they left it alone a few more years... they'd be OK but... imagine on that day in 2009 you are 65 and need to retire.
I guess that is why we heard of stories in 2008 and such about people 'pushing out' retirement another 5 years for example.
Probably trying to wait for the losses to swing positive.
On the flip side, it would be interesting to see a few 30 year runs, if you can do one for me. I assume that's how long most people do a 401k or Roth.
You aren't totally wasting your time. I may end up considering a 401k after this :P
