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by pja 5363 days ago
If you look at reasonable returns back in the days when we weren't busy pulling forward demand with ever rising debt / GDP ratios, 2-3% over inflation is pretty much the best you can reasonably expect if you can't afford to lose your capital.

What's "done" is the days when real (post-inflation) returns of 7-8% were achievable from passive stock market investments. Any retirement plan based on those assumptions is probably underfunded.