get.out.of.the.equities.market. this whole study is based on the equities market, and there are many many capital markets out there with much higher returns.

get.out.of.the.equities.market. this whole study is based on the equities market, and there are many many capital markets out there with much higher returns. the individual? right, none of these markets are so optimal for retirement, they are optimal for great returns though this study wasn't about the individual, it was about funds of funds that were picked pretty unoptimally and most likely were also in the equities market. what is the individual to do? hey maybe your conclusion was right, but I don't find 85% over ten years to be great, even factoring in dollar cost averaging and dividend reinvesting. so there is the possibility for the individual to learn and take risk or find a fund that is more suited to the market you would like to get returns in.