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Vanguard: YOU'RE FUCKED, MILLENNIALS. Next 10 years returns to be 3% to 5%
Poast new message in this thread
Date: July 8th, 2018 3:37 AM Author: gold death wish potus https://vgi.vg/2u0isi2
"While inflation is expected to remain low, investors should expect the nominal rate of return on their investments to be in the range of 3% to 5%, compared with historical averages of 9% to 11%, a panel of Vanguard economists said." |
Date: July 8th, 2018 3:46 AM Author: gold death wish potus Retirement is passe anyway. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383974) |
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Date: July 8th, 2018 3:47 AM Author: supple site Millenials are going into crypto anyways (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383976) |
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Date: July 8th, 2018 3:53 AM Author: gold death wish potus May Tezos have mercy on your soul. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383983) |
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Date: July 8th, 2018 7:22 PM Author: White mewling genital piercing (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36387205) |
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Date: July 8th, 2018 3:47 AM Author: Sable lascivious doctorate library people who expect 10% returns to continue forever are retarded (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383977) |
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Date: July 8th, 2018 3:52 AM Author: gold death wish potus What sort of comment is that? Beating a straw man? Cool "history is silly" contrarianism? Oddly recharacterizing the original post? Something else? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383979) |
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Date: July 8th, 2018 3:55 AM Author: Sable lascivious doctorate library people here are constantly assuming historical returns will continue in predicting their future net worh/retirement income (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383986) |
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Date: July 8th, 2018 3:56 AM Author: gold death wish potus What do you predict for the next 10, 20, and 30 years? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383988) |
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Date: July 8th, 2018 3:58 AM Author: Sable lascivious doctorate library 10 years we'll prob be about the same level we're at today, we'll for sure go through a significant market pullback before then. 20 years, maybe 2-3% annual returns. 30 years who knows (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383996) |
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Date: July 8th, 2018 4:04 AM Author: gold death wish potus Are you going with savings accounts, CDs, and treasuries for the next decade? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384003) |
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Date: July 8th, 2018 5:04 AM Author: Sable lascivious doctorate library Nope (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384028) |
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Date: July 8th, 2018 8:31 AM Author: gold death wish potus ? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384255) |
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Date: July 8th, 2018 8:32 AM Author: aphrodisiac bawdyhouse (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384261) |
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Date: July 8th, 2018 3:57 AM Author: gold death wish potus We're overdue for a recession, too. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383993) |
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Date: July 8th, 2018 5:02 AM Author: vivacious headpube shitlib LOL at saving money for retirement. I don't know what retard came up with that idea. I think about the very concept of that and just laugh to myself. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384027) |
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Date: July 8th, 2018 5:05 AM Author: iridescent angry point juggernaut (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384030) |
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Date: July 8th, 2018 8:08 AM Author: gold death wish potus Widgets have to be made. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384211) |
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Date: July 8th, 2018 10:28 AM Author: provocative school Why? Obviously you have to. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384569) |
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Date: July 8th, 2018 11:06 AM Author: aggressive frum famous landscape painting in a healthy society you wouldn't need to (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384701) |
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Date: July 8th, 2018 11:42 AM Author: Mind-boggling roommate (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384808) |
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Date: July 14th, 2018 1:11 AM Author: laughsome mental disorder bbw Lol at soyboy farmcuck society. Hunter gatherer societies are the only healthy ones. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423731) |
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Date: July 8th, 2018 12:05 PM Author: vivacious headpube shitlib Why would you have to when it is impossible? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384909) |
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Date: July 8th, 2018 11:05 AM Author: aggressive frum famous landscape painting (((I WONDER WHO CAME UP WITH IT??))) (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384691) |
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Date: July 8th, 2018 11:41 AM Author: Mind-boggling roommate (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384805) |
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Date: July 8th, 2018 5:08 AM Author: Sexy multi-colored associate guy with a defined pension plan here, sup (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384031) |
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Date: July 8th, 2018 7:00 AM Author: silver base I have one of those on top of my 401k, bro. Unfortunately big banks are cheap with the defined benefit pensions. They put 3% of my annual comp in there and it only earns 4% per year. But they also give me a 5% 401k match so I'm not complaining about the 8% free money. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384112) |
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Date: July 8th, 2018 1:05 PM Author: Godawful filthpig (guy who just outted self as working at Chase (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385177) |
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Date: July 8th, 2018 5:51 AM Author: Greedy Kink-friendly Abode Hehe. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384066) |
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Date: July 8th, 2018 6:03 AM Author: Trip Main People Forum This isn’t really bad news for millennials. You want the high growth years to happen late in your saving cycle when your principal is highest, not earlier when it’s lower. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384068) |
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Date: July 8th, 2018 6:04 AM Author: Sable lascivious doctorate library millennials are like 30-40 now, they want the growth to hit soon (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384070) |
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Date: July 8th, 2018 6:19 AM Author: Trip Main People Forum Not really. Far better for the growth to hit at 45 or 50 than at 35. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384074) |
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Date: July 8th, 2018 8:38 AM Author: Vigorous brass giraffe (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384281) |
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Date: July 8th, 2018 12:12 PM Author: amethyst deep persian sandwich (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384937) |
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Date: July 8th, 2018 8:06 AM Author: exhilarant wine sound barrier (Compound interest masterman) (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384202) |
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Date: July 8th, 2018 8:17 AM Author: aphrodisiac bawdyhouse (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384225) |
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Date: July 8th, 2018 3:00 PM Author: Vigorous brass giraffe How is he wrong? You want the largest growth to occur with the greatest AUM. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385666) |
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Date: July 8th, 2018 8:11 AM Author: gold death wish potus I don't know what your assumptions are, but...
1.1 x 1.03 = 1.133
1.03 x 1.1 = 1.133 |
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Date: July 8th, 2018 8:12 AM Author: exhilarant wine sound barrier People have had the same arguments over Roth versus standard IRAs. *shrug* (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384219) |
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Date: July 8th, 2018 12:46 PM Author: Chrome sticky elastic band It all turns on your expectations wrt tax rates (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385055) |
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Date: July 8th, 2018 8:51 AM Author: marvelous copper corner Xo 2018 or 180 tongue in cheek classic, not sure which (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384313) |
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Date: July 8th, 2018 10:34 AM Author: Trip Main People Forum You seem pretty dumb tbh
https://mobile.nytimes.com/2014/07/26/upshot/why-a-soaring-stock-market-is-wasted-on-the-young.html |
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Date: July 8th, 2018 6:42 PM Author: gold death wish potus That illustrates why the assumptions matter. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36386868) |
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Date: July 8th, 2018 6:19 AM Author: learning disabled histrionic property (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384073) |
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Date: July 8th, 2018 6:58 AM Author: silver base I'm 37. I was investing during the craziest years of the bull market. I got nothing to complain about now :-)
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Date: July 8th, 2018 8:12 AM Author: gold death wish potus This thread is now about you and nyuug. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384220) |
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Date: July 8th, 2018 11:06 AM Author: Soul-stirring jet-lagged address Want to take a free helicopter ride? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384698) |
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Date: July 8th, 2018 11:07 AM Author: aggressive frum famous landscape painting no one cares you stupid faggot (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384703) |
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Date: July 8th, 2018 12:13 PM Author: Medicated Ape (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384940) |
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Date: July 8th, 2018 8:37 AM Author: bistre odious telephone I’ve written about this since 2013. We simply can’t get the compound interest growth and as a result will have to work even longer. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384278) |
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Date: July 8th, 2018 8:43 AM Author: Sable lascivious doctorate library but if you can cop dat inheritance, youll be set! ljl fuck this country (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384297) |
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Date: July 8th, 2018 10:29 AM Author: Razzle voyeur box office Whole lot of downside for only a little upside (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384572) |
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Date: July 8th, 2018 10:31 AM Author: 180 pit Not reading the article but does this include dividends?
If a big corp doesn’t even grow it’s profits but has a 15/1 PE, you can still expect 6.66% earnings through dividends and buybacks |
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Date: July 8th, 2018 10:31 AM Author: Transparent Keepsake Machete Mother Avoid index funds and ETF's - if you look at a chart of the assets in these vehicles, it explains the herd behavior - basically a giant ponzificaion of the stock market for boomers.
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Date: July 8th, 2018 11:11 AM Author: appetizing demanding hissy fit Show me a fund that beats the S&P 500 over 50 years and I'll put all my money in it today.
Hint: the kike casino always wins. |
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Date: July 8th, 2018 11:12 AM Author: Transparent Keepsake Machete Mother BRK.A (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384720) |
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Date: July 8th, 2018 11:27 AM Author: Sable lascivious doctorate library what happens when warren croaks (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384754) |
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Date: July 8th, 2018 11:37 AM Author: appetizing demanding hissy fit Buffett himself says this is a bad idea, simply because "it's harder to double the value of a 100BB company than a 1BB one" and that makes sense to me. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384787) |
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Date: July 10th, 2018 11:12 PM Author: Transparent Keepsake Machete Mother There are smaller Berkshire esque companies that are built for our times (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36402403) |
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Date: July 11th, 2018 1:33 PM Author: appetizing demanding hissy fit such as? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36405538) |
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Date: July 14th, 2018 12:12 AM Author: Crimson goal in life Explain? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423513) |
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Date: July 8th, 2018 11:21 AM Author: razzmatazz haunting kitchen Just put your money in a capital one 2.5% CD and reassess (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384743) |
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Date: July 8th, 2018 11:33 AM Author: boyish poppy theater stage http://www.xoxohth.com/thread.php?thread_id=2512155&mc=112&forum_id=2 (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384767) |
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Date: July 8th, 2018 11:33 AM Author: maize spot personal credit line OH WOW RETURNS ARE GOING TO BE MEDIOCRE IF YOU MEASURE STARTING AT THE TOP OF THE CYCLE HOT TAKE! (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384769) |
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Date: July 8th, 2018 12:12 PM Author: Burgundy Concupiscible Church (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384934) |
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Date: July 8th, 2018 12:13 PM Author: charismatic yarmulke faggot firefighter ljl (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384939) |
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Date: July 8th, 2018 12:18 PM Author: Trip Main People Forum (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384955) |
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Date: July 8th, 2018 12:19 PM Author: 180 pit People have been predicting the top of the cycle for literally 4 years now ljl. I wish I could find the classic post from CongloseSpaceRat where he went all cash in October of 2016
NO ONE FUCKING KNOWS |
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Date: July 8th, 2018 12:51 PM Author: Razzle voyeur box office People experienced the 2008 crash and saw the movie "The Big Short" and now they all think they're market wizards. Like you've said, these goons have been "predicting" the crash will come any day now for the past 5 years. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385071) |
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Date: July 8th, 2018 3:02 PM Author: Vigorous brass giraffe We do know that this is now the longest expansion in history. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385673) |
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Date: July 11th, 2018 12:27 PM Author: gold death wish potus I imagine you running around Reddit, squawking, "correlation, not causation," beaming with pride. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36405059) |
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Date: July 8th, 2018 11:34 AM Author: Mentally impaired stock car I always assume 3-5% annual growth when calculating my retirement. Anything higher seems irresponsible to simply assume. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384772) |
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Date: July 8th, 2018 11:36 AM Author: Sable lascivious doctorate library how much do you think youll need (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384781) |
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Date: July 8th, 2018 11:44 AM Author: Mentally impaired stock car No idea how much I'll NEED - I can't predict future prices and shit.
But if I take the retirement savings I have today, assume that my annual contributions stay the same, and assume 4% annual growth, I would end up with $2.5 million by age 60.
Probably I'll be able to increase my contributions over time so it would be more like $3 million. But $2.5 million is the conservative estimate. |
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Date: July 8th, 2018 12:32 PM Author: Filthy spectacular ceo LOL - if only state pension funds like Calpers used your same prudence. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384999) |
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Date: July 8th, 2018 12:32 PM Author: Purple place of business (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385001) |
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Date: July 8th, 2018 2:54 PM Author: Mentally impaired stock car (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385640) |
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Date: July 8th, 2018 3:05 PM Author: Vigorous brass giraffe (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385689) |
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Date: July 8th, 2018 7:39 PM Author: hideous chestnut turdskin (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36387325) |
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Date: July 9th, 2018 1:37 AM Author: gold death wish potus I would be a bit more cavalier if I had a state budget to tap in retirement. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36389282) |
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Date: July 11th, 2018 12:28 PM Author: Hairraiser scarlet university So we get another 70s. That means after that we'll get another 80s. It all evens out. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36405073) |
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Date: July 14th, 2018 12:30 AM Author: gold death wish potus The long run is a misleading guide to current affairs. In the long run we are all dead. Economists set themselves too easy, too useless a task if in tempestuous seasons they can only tell us that when the storm is past the ocean is flat again. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423599) |
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Date: July 14th, 2018 12:15 AM Author: umber coldplay fan lol at these know nothing economists. the chances of something other than what they predict happening are high. no one can predict the future. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423522) |
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Date: July 14th, 2018 12:19 AM Author: cracking masturbator plaza Over a 10 to 20 year period, GC will find a way, stocks will be fine
It's the continual squeeze of the average worker I worry about |
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Date: July 14th, 2018 12:42 AM Author: Startling field fat ankles Buy ethereum now (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423636) |