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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: Galvanic Forum Gay Wizard 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: Galvanic Forum Gay Wizard 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: Drab rigpig queen of the night 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: Galvanic Forum Gay Wizard 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: aquamarine comical stock car office (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: Exhilarant lime senate 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: Galvanic Forum Gay Wizard 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: Exhilarant lime senate 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: Galvanic Forum Gay Wizard 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: Exhilarant lime senate 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: Galvanic Forum Gay Wizard 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: Exhilarant lime senate 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: Galvanic Forum Gay Wizard ? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384255) |
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Date: July 8th, 2018 3:57 AM Author: Galvanic Forum Gay Wizard 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: racy blue whorehouse stain 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: Vibrant factory reset button (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: Galvanic Forum Gay Wizard 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: maize swollen crackhouse 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: bearded primrose brunch 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: gay location affirmative action (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: Fuchsia set 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: racy blue whorehouse stain 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: bearded primrose brunch (((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: gay location affirmative action (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: balding vivacious internal respiration institution 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: ivory haunted graveyard menage 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: Yellow stimulating tanning salon (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: Onyx temple ape 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: burgundy talented electric furnace national 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: Exhilarant lime senate 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: burgundy talented electric furnace national 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 12:12 PM Author: jet house (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: Odious theater stage mediation (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: Sable titillating bbw (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: Anal Razzle Chapel Voyeur 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: Galvanic Forum Gay Wizard 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: Odious theater stage mediation 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: adventurous federal bawdyhouse masturbator 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: impressive amber casino prole 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: burgundy talented electric furnace national 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: Galvanic Forum Gay Wizard 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: Smoky Messiness (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: ivory haunted graveyard menage 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: Galvanic Forum Gay Wizard 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: Exciting insanely creepy church trump supporter 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: bearded primrose brunch 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: grizzly rebellious karate mental disorder (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: Razzle-dazzle really tough guy property 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: Exhilarant lime senate 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: bearded clear round eye 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: Arousing Step-uncle's House 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: Hideous nibblets 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: insecure mustard hospital 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: Hideous nibblets 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: Exhilarant lime senate 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: insecure mustard hospital 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: Hideous nibblets 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: insecure mustard hospital 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: Ocher newt 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: Marvelous overrated sex offender 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: Umber floppy sandwich indian lodge 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: Walnut Market 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: buck-toothed pearl international law enforcement agency psychic (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: Saffron histrionic potus keepsake machete 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: burgundy talented electric furnace national (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: Arousing Step-uncle's House 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: bearded clear round eye 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: Anal Razzle Chapel Voyeur 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: Galvanic Forum Gay Wizard 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: Topaz Heaven 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: Exhilarant lime senate 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: Topaz Heaven 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: passionate doobsian foreskin 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: big love of her life (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: Topaz Heaven (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: Anal Razzle Chapel Voyeur (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: Wonderful preventive strike black woman (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: Galvanic Forum Gay Wizard 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: Bateful Center Elastic Band 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: Galvanic Forum Gay Wizard 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: swashbuckling mexican station 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: narrow-minded gas station 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: abnormal out-of-control ticket booth boistinker Buy ethereum now (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423636) |