That is always a tricky comparison as all things have to be equal. So higher than previous all-time high for the exact same time period?
And, is that 7.7% higher 7.7% added to the previous return? Or 7.7% of the previous return?
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Opposite: I thought you were going to say not putting so much into cash. Still, if you were in your late 50’s or older by then, I can undertand the desire to sock more away in non-stocks.vnatale wrote: ↑Sat Feb 10, 2024 8:52 am ..
I made my only investments now 21 years ago in January 2003. All investments since have gone into cash.
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Seems like I would have been much better off over these last 21 years by having done the exact opposite. Having the bulk in Growth and giving away the Value funds.
dualstow wrote: ↑Sat Feb 10, 2024 7:18 pm
vnatale wrote: ↑Sat Feb 10, 2024 8:52 am
..
I made my only investments now 21 years ago in January 2003. All investments since have gone into cash.
..
Seems like I would have been much better off over these last 21 years by having done the exact opposite. Having the bulk in Growth and giving away the Value funds.
Opposite: I thought you were going to say not putting so much into cash. Still, if you were in your late 50’s or older by then, I can undertand the desire to sock more away in non-stocks.
pretty much the same if i take all my models plus cash and make one big portfoliovnatale wrote: ↑Sat Feb 10, 2024 10:01 pmDoing all that cash worked out well during 2007 / 2008 and other down periods. At this point, I'm at about 50 / 50, equity / (fixed + cash).dualstow wrote: ↑Sat Feb 10, 2024 7:18 pmOpposite: I thought you were going to say not putting so much into cash. Still, if you were in your late 50’s or older by then, I can undertand the desire to sock more away in non-stocks.vnatale wrote: ↑Sat Feb 10, 2024 8:52 am ..
I made my only investments now 21 years ago in January 2003. All investments since have gone into cash.
..
Seems like I would have been much better off over these last 21 years by having done the exact opposite. Having the bulk in Growth and giving away the Value funds.
The mean expected real rate of return for this portfolio is 5.6% over the last 46+ years. If you take the real rate of return from 1978 and plot highs and lows, the mean is 5.6%. Projected over a long time horizon, it gives you an idea of what the expected value of these assets as a whole should be. Keep in mind: