This is known as a fallacy in economics. You should have a time horizon on your decisions, and of course, it should not exceed, let's say, 10 years less than yo

This is known as a fallacy in economics. You should have a time horizon on your decisions, and of course, it should not exceed, let's say, 10 years less than your expected lifespan. So something like 50-60 years is the longest considered timespan. Rewards on that sort of timeframe have to be extreme (essentially 1.0450=7, as in 7 times ROI would be the risk-free rate. For an investment with minimal risk a factor 30 or so would be required)