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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: histrionic senate 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: histrionic senate 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: Odious Bisexual Stain 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: histrionic senate 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: haunting heady locus (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: Mustard Doobsian Station Volcanic Crater 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: histrionic senate 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: Mustard Doobsian Station Volcanic Crater 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: histrionic senate 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: Mustard Doobsian Station Volcanic Crater 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: histrionic senate 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: Mustard Doobsian Station Volcanic Crater 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: histrionic senate ? (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: godawful white ticket booth (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: histrionic senate 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: irate crotch temple 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: excitant spruce trump supporter sneaky criminal (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: histrionic senate 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: sticky autistic ape point 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: gold plaza 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: dashing market (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: poppy dilemma 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: irate crotch temple 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: gold plaza (((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: dashing market (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: Pearly Exhilarant Locale 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: maize provocative sandwich blood rage 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: tan rigpig (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: Coral Pervert 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: Comical onyx field 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: Mustard Doobsian Station Volcanic Crater 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: Comical onyx field 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: magical tank (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: Primrose fanboi (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: Seedy Titillating Love Of Her Life Business Firm (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: godawful white ticket booth (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: magical tank 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: histrionic senate 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: Seedy Titillating Love Of Her Life Business Firm 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: Soggy out-of-control keepsake machete garrison 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: charcoal big indirect expression 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: Comical onyx field 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: histrionic senate 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: crystalline fluffy gunner sanctuary (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: maize provocative sandwich blood rage 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: histrionic senate 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: Dark heaven gaping 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: gold plaza 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: Well-lubricated bronze half-breed potus (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: alcoholic brunch persian 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: Mustard Doobsian Station Volcanic Crater 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: Flushed windowlicker boiling water 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: mauve 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: scarlet razzle yarmulke 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: Grizzly soul-stirring box office therapy 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: scarlet razzle yarmulke 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: Mustard Doobsian Station Volcanic Crater 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: Grizzly soul-stirring box office therapy 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: scarlet razzle yarmulke 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: Grizzly soul-stirring box office therapy 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: multi-colored hospital round eye 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: ebony shrine patrolman 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: Fragrant red nursing home 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: shimmering personal credit line hairy legs 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: Glittery glassy water buffalo location (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: gaped school 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: Comical onyx field (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: mauve 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: Flushed windowlicker boiling water 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: magical tank 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: histrionic senate 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: Pungent Ladyboy 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: Mustard Doobsian Station Volcanic Crater 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: Pungent Ladyboy 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: stirring saffron stead main people 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: galvanic immigrant becky (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: Pungent Ladyboy (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: magical tank (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: brass multi-billionaire (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: histrionic senate 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: self-centered disgusting roast beef 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: histrionic senate 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: Aromatic depressive idiot 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: ruby aphrodisiac orchestra pit 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: Brindle big-titted trailer park mad cow disease Buy ethereum now (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423636) |