I've run similar calculations in an attempt to convince an acquaintance not to pull out their money when they "had a bad feeling" about something. To me the ta

I've run similar calculations in an attempt to convince an acquaintance not to pull out their money when they "had a bad feeling" about something. To me the takeaway isn't that "timing is critical for good returns" but that "you can't time good returns, so don't move all your money at once". You'll be investing over the years of your career and withdrawing over years of your retirement. Historically, it ends up working out.