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Reply to "Single parent in need of debt management/savings advice"
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[quote=Anonymous][quote=Anonymous]I would not assume an 8 percent return, or even 6 percent return. The risk-free rate is currently 3 percent, so something like 5 percent is a safer bet for a balanced portfolio.[/quote] You don't invest in a risk free portfolio at 39. At 60-65, sure, but not at 39. The 15 year, 20 year, and 25 year annualized returns from 1970 to now show a median of 12%. If the money if left in for the long run and you don't get emotional or try and time the market the return should be there based on historical results. There is a risk, of course, but there is never a reward without risk. If she stick to index and etfs and leaves the money in the market for the long haul 6-8 is not unreasonable. If the market returns 3% or less over the next 25 years then either none of us will ever retire or we are in a global crushing depression and we will be murdering people for drinking water. Http://en.wikipedia.org/wiki/S&P_500[/quote]
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