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by froogle
3761 days ago
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You're wrong. If you only invested lump sums in the S&P 500 in 1998, 1999, 2005, and 2006, you'd have made money by today. Not as much as you would have historically, but still a fair chunk - and while yes, inflation would have eaten a large, large portion of it, it's way better than leaving your cash under your mattress. There's no way you lost money if you were in the S&P 500, unless you were pulling it out of investments after crashes - in which case, duh, you're buying high and selling low, what did you expect? And that's if you were only in the S&P 500... a more reasonable retirement portfolio is much more diversified, which would have increased your returns and lowered your volatility. http://stockcharts.com/freecharts/perf.php?SPY |
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