Index funds do about 4% real return over time and scale very well. You are right that wealth is more dynamic than most people think but the reason is rather th

Index funds do about 4% real return over time and scale very well. You are right that wealth is more dynamic than most people think but the reason is rather that the most effective way to get really rich is to leverage everything into one company, which is a strategy that hurts you on the way down as much as it can help you on the way up.