No. of Recommendations: 16
Can anyone see why, if the market behaves normally, that in 13 years or so I should be not be looking at a statement showing a return of between 9 to 11% on my investment?

The stock market doesn't reliably return 9% to 11% each year.

Here's a web site that looks at S&P500 returns over the past 130 years for 10 year to 60 year holding periods.

--Nominal S&P500 Annualized Returns (1871-20000 Shiller database)---
Holding Period 10-Year 20-Year 30-Year 40-Year 50-Year 60-Year
Maximum 19.08% 17.14% 13.40% 12.03% 13.23% 12.53%
Median 8.33% 7.81% 9.37% 9.14% 8.98% 9.18%
Minimum -1.23% 3.30% 5.13% 5.44% 5.65% 5.91%

In the best 10 year period $10,000 invested in the S&P500 grew to $57,330. In the worst 10 year period $10,000 shrunk to $8,863 in ten years.


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