I'll leave that analysis for you to do and share the results. Using the historical data set for the S&P500 index, a 3.5% average annual return over a 20 year h

I'll leave that analysis for you to do and share the results. Using the historical data set for the S&P500 index, a 3.5% average annual return over a 20 year holding period is approx. 20th percentile.