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Wouldn’t this increase the risk, for say people who were retiring in 2008-ish?
by techorange 2y ago
Wouldn’t this increase the risk, for say people who were retiring in 2008-ish?
- bko 2y agoNo. Suppose you retire in 2008. That means you were likely investing since 1970 so your total return since then has been or 9% per year. Realistically you're weighted in the middle of that, so over the last 20 years the return was 177% (log) or also close to 9% per year. And note you're not liquidating your savings in 2008. And also note there is a yield that adds a bit more return.