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Keep in mind compound growth. Over the last 5 years, S&P 500 is up almost 100%.

• baq 8y ago
  But don't forget that past performance is not a predictor of future results. It may crash 50% in a month. Don't take growth for granted.
  • gnicholas 8y ago
    I think GP was making the point that the retirement account balance may be largely due to the recent run-up. You're right of course that it can (and will) go down in the future!
  • sdinsn 8y ago
    Of course, but that isn't related to the current discussion