The last 18 yrs the s@P has basically had 1 down yr in 2008. Pandemic 2020 was up 18%.

[trader99]

An indirect response:

Source: Optuma.

A dollar invested in gold in 2000 would now be worth about $6.82. That same dollar in the S&P 500 would be worth about $2.34. Gold delivered gains that were 2.9 times larger than the index.

Hmm... Please show the math. Gold is pretty dead. It had a mall bull market after the GFC. Then just meanders all these years until the recent rally which got sold too.

 

[iprph90]

Hmm... Please show the math. Gold is pretty dead. It had a mall bull market after the GFC. Then just meanders all these years until the recent rally which got sold too.

https://moneyandmarkets.com/gold-vs-stocks/


https://financial-calculators.com/historical-investment-calculator

 

[DiceAreCast]

You always speak of the "others". Have you equally participated and built yourself a many million nest egg just by sitting on it? Or have you completely missed out because of all that talking you have been doing for all those years?

That's the federal reserve that gave you all that free money. You had to do absolutely nothing for it. Just sit back and collect your free money...if.you think the last 31 years was gangbusters just wait for the next 31 years, your free $2 million bucks will be worth a staggering $50,000,000++++ yes you heard that, you haven't seen anything yet. The fed will be printing trillions for wallstreet for next 50-100 years so no worries as that $2 million grows to unlimited risk free heights.

Send your thank you cards to the federal reserve and thank them as much as you can because if it weren't for them your 65k would be worth maybe a couple of hundred thousand bucks.

 

[newwurldmn]

It sounds great that you had $65k available to you 30 years ago but all in all it's just a 12% per annum gain compounded over 31 years. For the majority of people in their 20-30's putting aside $65k is difficult because that's when you start (to raise) a family and buy a house. As you get over that hurdle you realize you're now in your 50's and putting/locking those funds aside for your 80's and beyond almost loses its value as you'll become too old to enjoy that money.

If you have $65K available to you at the younger years that is a great strategy - but one that can easily be duplicated by buying homes/condos and renting them out. The problem is most don't (have the excess funds) and need to budget current lifestyle vs retirement.

PS edit: to put things in perspective, that $65k in 1990 probably has a present value of $350K (today). Tough sum for people to put aside and not touch for 30 years.

65k in 1990 bought 1 Mercedes s-class. Today 2mm will buy 13 fully loaded.

Or, 65k was 4 years at Harvard. Today 2mm is 20.

 

[7out]

65k in 1990 bought 1 Mercedes s-class. Today 2mm will buy 13 fully loaded.

Or, 65k was 4 years at Harvard. Today 2mm is 20.

I'm not sure what you're getting at, nor why you're comparing the value of $65K from 1990 to the value of $2MM today. Have you thought this out before you typed a response?

 

[newwurldmn]

I'm not sure what you're getting at, nor why you're comparing the value of $65K from 1990 to the value of $2MM today. Have you thought this out before you typed a response?

The point is that a penny invested is worth more than the value of that currency.
So it behooves one to figure out how to save with a long term horizon even if you can’t scrape together 65k or 350k in today’s dollars.

and outside of maybe Miami and the hamptons, most real estate has not appreciated at 11percent cagr.

I’m not sure what your post was about. If I have misinterpreted it, please enlighten me

 

[7out]

The point is that a penny invested is worth more than the value of that currency.
So it behooves one to figure out how to save with a long term horizon even if you can’t scrape together 65k or 350k in today’s dollars.

and outside of maybe Miami and the hamptons, most real estate has not appreciated at 11percent cagr.

I’m not sure what your post was about. If I have misinterpreted it, please enlighten me

Truthfully, it would be easier and painless to just ignore you. Tried reading a few of your previous posts and none of them make any sense (to me at least) nor do they have any relevance to the topic discussed.

Sorry, take care!!

 

[newwurldmn]

Truthfully, it would be easier and painless to just ignore you. Tried reading a few of your previous posts and none of them make any sense (to me at least) nor do they have any relevance to the topic discussed.

Sorry, take care!!

Your loss. Keep whining about how you can’t save any money to invest.

 

[murray t turtle]

It sounds great that you had $65k available to you 30 years ago but all in all it's just a 12% per annum gain compounded over 31 years. For the majority of people in their 20-30's putting aside $65k is difficult because that's when you start (to raise) a family and buy a house. As you get over that hurdle you realize you're now in your 50's and putting/locking those funds aside for your 80's and beyond almost loses its value as you'll become too old to enjoy that money.

If you have $65K available to you at the younger years that is a great strategy - but one that can easily be duplicated by buying homes/condos and renting them out. The problem is most don't (have the excess funds) and need to budget current lifestyle vs retirement.

PS edit: to put things in perspective, that $65k in 1990 probably has a present value of $350K (today). Tough sum for people to put aside and not touch for 30 years.

%%
Good points.
BUT $1 invested in 1929 or 1933 makes even more %%.
AND even though some do well with REALTY + i dont blame for that, i like RE.
BUT i hear so many problems with condos+ keep hearing about condo problems i would not want to take that risk with condos.
True, American Funds tends to be above average, like QQQ.
Crazy thing about a good mutual fund or even SPY, add 30 0r 40 years , you can accidently buy the HI every year/LOL + still do very well/LOL,

 

[7out]

%%
Good points.
BUT $1 invested in 1929 or 1933 makes even more %%.
AND even though some do well with REALTY + i dont blame for that, i like RE.
BUT i hear so many problems with condos+ keep hearing about condo problems i would not want to take that risk with condos.
True, American Funds tends to be above average, like QQQ.
Crazy thing about a good mutual fund or even SPY, add 30 0r 40 years , you can accidently buy the HI every year/LOL + still do very well/LOL,

In real estate it's very common to be highly leveraged (like 5:1) and not ever worry about it. In stocks it's a ticking time bomb using same approach. Real estate also provides lifetime dividends that keeps increasing.