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Reply to "My financial future in 3 minutes"
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[quote=Anonymous][quote=Anonymous]07:33 the return on my investments over the past 5 years has been more like a 25% return, I was making up an average for the next 18 years and came up with 9%. am I wrong in saying around a 9% return would be expected over the course of 18 years in a 100% risk allocation (stocks)?[/quote] It's absolutely possible. But it's also possible that it's more like 4%-5%. I think 9% is aggressive, 4% is conservative, and a good base case is somewhere in between (plus consider the impact of inflation). I think the broader point is that for long term planning you should also consider the possibility that investment returns aren't what you'd hoped for because as you note, they are risky, and timing matters (ie, when you need to sell). This is why maximizing tax efficiency should be the first thing you nail down. [/quote]
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