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by tedmiston 2557 days ago
I'm not sure that the cited figure of 3-4% return today is truly representative of recent years.

For example, for the popular pick VTSAX (Vanguard's Total Stock Market Index Fund), if you look at the average total return % for recent windows of time:

- YTD: 16.23%

- 1-Year: 4.43%

- 3-Year: 13.28%

- 5-Year: 9.97%

- 10-Year: 14.15%

- 15-Year: 8.91%

The 1-year number is just skewed by the late 2018 market correction in the short term.

Source: https://www.morningstar.com/funds/xnas/vtsax/betaquote.html