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n. Illinois | Here is my ROI from my 401K/IRA from 1982 to 2025 the last 43 years. 7.13%,
I missed out completely on the massive stock run up in the 1980's as everything was in fixed income sources that paid 13% at the start but ended up under 8% before I got smart and moved into Equities. But I was also just starting out and didn't have anything accumulated that it really mattered.
I tend too Value investing always in mutual funds never individual stocks.
36 years of positive returns averaged 12.7%
7 years of negative returns averaged -10.8%
longest stretch of losses was 2000-2002 when I lost money all three years (thanks Greenspan)
It's still your best way to ended up with a significant portfolio to fund your needs in retirement. | |
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What % is a realistic guess on 20 year ROI for 401K/stock market ?
