Happy Sunday guys. Here is a link to Trading 212 where you can get 1 free share valued up the £100 to get your portfolio started: trading212.com/promocodes/MITCH
I want to invest roughly $70,000 in stocks since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stocks?.
It's crucial to have a well-thought-out strategy and not make impulsive moves based on short-term market fluctuations. Patience and a long-term perspective are key. You should consider a market expert to guide you.
I very music doubt you have 70k to invest .. I imagine you’re just looking for a guiding hand in where to put your money. If that’s the case: don’t be a fraud
Kept £120k in Ally bank HYSA at 4.35% but i now plan to invest in the stock market. What are your thoughts on that? What stocks should I look out for as a newbie to safely grow my money?
Research "Dividend Aristocrats" and select six to ten companies from that list. These firms have a history of paying dividends for 25+ years. Additionally, consider working with a financial advisor to establish a well-structured portfolio.
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from £250k to nearly £1m.
She goes by ‘’Theresa Dana Peek" I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $21k ROI, and this does not include capital gain.
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
In my view, staying invested is not just a financial strategy; it's a philosophy that aligns with long-term wealth-building. Markets have their ups and downs, but history has shown that, over time, they tend to appreciate. By weathering the short-term fluctuations and remaining invested, one has the opportunity to benefit from the compounding effect, capitalize on market recoveries, and achieve financial growth. Staying invested requires patience, discipline, and a focus on the bigger picture - a strategy that, in the journey towards wealth, has proven to be consistently rewarding.
Having stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire
True, some folks employ hedging strategies or devote a portion of their portfolio to defensive assets that perform well during market downturns and such pointers are provided by engaging the services of market experts just like i did in 2019, amid rona-outbreak, and as of today, i can boast of a 45% enhancement on my $1m portfolio after acquiring assets recommended by my expert.
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
My portfolio is made up of dividend etf’s, dividend stocks, growth stocks, it allows a bit more freedom in specific areas with help of an advisor CHRIS RYAN STEWART who I’ve been in touch with over the years before buying any stocks and it’s been working perfectly for me.
Can’t wait to get where you are at. I put 10% of my 401k/Roth when I get paid, which I don’t really watch. Then I put $400/paycheck in a dividend portfolio. They say the first $100k is the hardest.
Working Chris Ryan Stewart, I started my first stock in Feb 21, 2022 I noticed the market went down the whole year so now I’m up a lot of money endless we go back to the October lows I will keep putting more stocks super excited for 2024 the payoff will be great 😌😌
Great info, how can I get someone like that?…. I’m bombarded with the “don’t sit on it during the inflation, I wanted to jump in 8/22 and did nothing so far this year I think I need to get my feet wet
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Honestly, I would probably recommend you to invest 90% of your money in an ETF that replicates the overall S&P 500 performance. By doing this, you are getting exposure to the top 500 stocks in the US, which is in itself very diversified. What I would definitely avoid doing while learning would be investing in stocks directly because when you see a downturn it can be very difficult to handle it. In fact, often i would see a stock decreasing 25% and then would get nervous and sell. Then it recovered and I felt I was too late. And I did this, for example during the 2008/9 crisis. I had 9000€ worth of Amazon Stocks. Each costed me 80$. I sold them for 68$ and stopped following the market for a long time. In 2021 those stocks reached 3200$ (then they did a stock split of 1:20 which is why nowadays the stocks cost 140$). If I was experienced when I started, this would have been avoided. Instead, I was dumb and reacted by Panic. Bought during peak times, sold at bottom and felt burnt for a long while. So, ETF is a safer option in the beginning. Because you will make mistakes, you will second guess yourself and it will be hard to understand to differenciate irrational panic from the picks that simply didn't work. Nowadays, I usually perform slightly above average, but those early days mistakes were quite costly.
The S&P 500 moved 8.9% higher in November, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance. Here for ideas...
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
I've come to realize that the key to amassing wealth lies in making sound investments. I purchased my first home at the age of 21 for $87,000 and sold it for $197,000. My second home, acquired for $170,000, was later sold for $320,000, and my third property, purchased at $300,000, fetched $589,000, with buyers covering all closing costs and expenses. Not reaching a million before retirement feels like an unfulfilled goal.!!
Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as Natalie Lynn Fisk, who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner||.
I was pleasantly surprised to find that you're familiar with her as well. I've had the privilege of working closely with Natalie Lynn Fisk over the past few months, and she has not only helped me earn substantial profits but has also been an exceptional mentor and trader. Her ability to navigate various market situations is truly remarkable, and I couldn't be more satisfied with our collaboration.,.
"It's quite a surprise that you're acquainted with her as well. I've had the privilege of gaining significant profits while learning and investing under her guidance for the past few months. Natalie Lynn Fisk truly stands out as one of the most exceptional mentors and traders I've had the pleasure of collaborating with in recent years. Her expertise in navigating various market situations is truly
Everybody seems like a genius when the markets are going up. Also, buying any type of property at 21 is a pipe dream for most people, the same goes for retirement for the current 21 year olds. But hey the trickle down economy works for the ones on the top, and what trickles down is sewage.
Despite the fact that I invest, I am saddened by my inability to evaluate each company's performance and determine whether or not this is the ideal time to purchase stocks. My monetary stockpile is being depleted by inflation. At this stage, I need accurate market trajectory data, but I'm not sure what to do.
Particularly in this weak market, there are several opportunities to generate excellent returns, but such intricate transactions can only be carried out by seasoned market professionals.
I wholeheartedly concur, which is why I appreciate giving an investment coach the power of decision-making. Given their specialized expertise and education, as well as the fact that each and every one of their skills is centered on harnessing risk for its asymmetrical potential and controlling it as a buffer against certain unfavorable developments, it is practically impossible for them to underperform. I have made over 6 figures working with an investment coach for more than two years.
Get yourself a good financial advisor. They are worth every penny! I tried using Robinhood and doing it myself but dropped 60% on my portfolio because I had no clue what I was doing. I hired an advisor and am keeping my investments simple. We put it in the S&P 500 and blue chips and I’m up 22% on my portfolio this year. Leave it to the pros, ignore bad investment advice from youtube.
I completely agree, the first $100k was the toughest, and I didn't really start seriously investing until I was 30 back in 1998. Today, I have a decent $3.2M nest egg, thanks to the careful supervision of my CFP. After learning all of this, my only regret is not starting earlier when I was 25. It may not seem like much but those extra 5 years are the most important.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024
Well I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
Diversifying your portfolio is crucial. Good stocks are a good starting point, but you should diversify your risk with a variety of assets. Fortunately, I can vouch for the effectiveness of this strategy with the help of expert advice, since my 330,000 portfolio has increased by 25% only this year alone. Maybe thats what you need.
@@PatrickLloyd- This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
A good FA is critical for portf0lio diversification. My advisor is 'Vivian Carol Gioia' who can be found readily and has great understanding of the financial markets.
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.
I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio dwindle away is such an eye -sore.
There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I see no other way to maneuver steady profit and steer off losses in this current market except by advisory management, mind if I look up the person guiding you please? I'm in dire need of portfolio reallocation ?
My Financial adviser is ‘’COLLEEN JANIE TOWE’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Colleen has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
The advice in the video is valuable for the typical American. It was easier for me to get richer after my first $100k with the method of diversification for my investment portfolio. With the help of my CFP, I focused on capital appreciation through high-risk, high-reward assets. Income-oriented strategies target regular income from dividend stocks and bonds. Used the value strategy to seek out undervalued assets for potential long-term gains. Worked like magic!
And its not even that hard to do. This strategies is just rigorous for the regular-Joe but are most successfully carried out by pros who have had a great deal of skillset/knowledge
AGREED!, this is why I give a licensed coach control over my everyday investing decisions. Their proficiency in research, specific knowledge, and risk management makes it difficult for them to deliver below expectations. I have more than two years of investing coach experience, and I have made more than half a million$.
@josephbush My collection has been underperforming recently, and I'm considering a strategy change with the help of a coach. Is it possible to get in touch with your coach?
I definitely recommend ''Heather Lee Larioni''. I choose to delegate my excesses to her because of her great expertise. I suggest you look her up. To be honest, almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
What are the best strategies to protect my investment portfolio from declining and amassing a lot of profit? I'm concerned about my $800k portfolio which was down 40% ealier this year and is still not fully recovered.
Investors need to understand where and how to allocate funds to hedge against downturns. it's better for you to consult with an advisor to help you allocate assets in your portfOlio for better yield.
Yes, it is essential to allocate assets properly. Moreover, some people utilize hedging techniques or allocate a portion of their portfOlio to defensive investMents that outperform the market in downturns. Is there any other way to accomplish this besides professional advice? I've managed to survive for the past five years in this manner, earning close to $1 million in invest-ment returns.
I started out with an FA named Christine Ann Podgorny Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI.
I completely agree. The first $100k was the toughest, and I didn't really start seriously investing until I was 30 back in 1998. Today, I'm 55 and have a decent $1.2M nest egg thanks to my fa Emily Lois Parker. After learning all of this, my only regret is not starting earlier when I was 25. It may not seem like much but those extra 5 years are the most important.
Is there any chance you could recommend who you work with? I've wanted to do this for a very long time now, but I've been very hesitant about it. I'll appreciate any recommendation
I'd be interested to see the performance by dividend income for all of these players vs the S&P 500 too. Can it safeguard and grow $500k cash reserve for next 2 years at no risk?
I think you're better off with majority investment in S&P500 and uprising equities cos they always outperform. Alternatively speaking to a certified market strategist can help with pointers on which to acquire.
Right, when it comes to situations like this, it's ideal to engage in various options using an advisor, and I can attest to success of the basket approach seeing my portfolio grow from $350k to almost $1m in barely 3 years, by far my best financial milestone.
wow massive gains! my partner recently hinted on going same direction.. what did you invest in, and who is your investment advisr please, if you don't mind me asking? in dire need of asset allocation
Certainly.....'Nicole Desiree Simon' deserves credit as one of the finest financial planners who decides what i acquire including digital assets. Her reputation precedes her, and I highly recommend her on a public post, you can look her up to locate her online if you are internet-
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Nicole
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.
I've been holding cash since 2020 pandemic crash, just went 'all in' and bought about $250k worth of ETFs & individual stocks at discount tho not sure of the economy right now, I'm hoping to average down on ailing companies in order to achieve my retirement goal of $1m.
the fin-mkt to me is like a lucrative chess game, incredibly difficult to outperform, it's all about understanding how the world moves, its history and psychology.. goodluck!
The issue is that most people have the “I want to do it myself mentality” without being well-qualified, hence get burnt during crash, no offense intended. I've attained nearly 7-figure after subsequent investments, since the rona-outbreak in Jan.2020 to date, only cos I know enough to seek expert counsel at crucial times.
@@heatherholdings this is huge, congrats! mind sharing info of the advisor guiding you please? I'm only 3 months in the market and my portfolio is tanking beyond control, I could really use a help right now
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Maria Reyes.
With bonds overpriced, gold overpriced, and real estate overpriced, the only place I found wise to put money is the trade market because from my experience it’s paid off more than any other investment I’ve gotten into.
Herman Jonas, an astute finance analyst is the brain behind my success. I've gotten into a plethora of assets with $23k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now I sit back, and just reinvest at intervals while I handle my other businesses.
Do not forget that when it comes to the stock market, prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.
@@Donnierra I agree, and for that reason I prefer to have a financial consultant like Herman make my day-to-day investment decisions. Given that his entire skill set is based on going long and short at the same time as well as employing risk for the asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis he's got, it's nearly impossible to not out-perform. I've been using him as my financial consultant and the rate of accrual on my portfolio has been positive over the years.
Great content Mitch,the likes of you and Damien Talks Money,James Shack,Chris Bourne and others have opened doors to investing for us all,if only we were taught this at School,but thanks again keep up the great work.
Good video, some notes: 1. Inflation rat is not considered at all. That will bring us 5% annual growth instead of 7%. 2. 4% withdrawal rate is not 100% correct, please check the latest updates on that. More realistic rate would be 3.5% in average.
Seems to be quite fashionable to recommend “job hopping” to increase your salary. Speaking as someone who works at a top tier firm who invest a lot into the training and development of staff - your ability to find positions at the best companies (and thus ultimately long term career success) will decrease for every “hop” you make. People should just be aware of that
Not everybody is gifted like you. Some have to prove their way to better positions. Working for a top tier company is not for everyone, you are just number.
@@FreaksSpeaks yeah appreciate not everybody wants to go down the corporate route, and job hopping is easier in some industries than others, still other options to play with though ☺️
I'm 37 qualified to postgraduate & Chartered level. I move every 3-5 and on a 6 figure salary. I know many people loyal to one employer and on 25-40% less than me. Sadly corporates have turned us into a number / resource and loyalty pays for a rare few.
@@King_Harrold 3-5 years is fine, I’m talking about people who move every 0.5-2 years. Hiring managers will usually discount those resumes as a “job hopper” and it brings their performance into question.
I include my pension in it as my savings are all for that goal. My retirement goal is a pretty modest £20k/yr inc state pension. I've saved 8.3k at 33 while contributing £202/month with the intent to up it another £100 after my wedding and eventually mortgage contributions once that's paid off at 52. It's not vast sums of money but 20% (£450) is going to savings, 70% towards essentials leaving me £200 fun money a month for games, clothes and going out.
If you're saving for retirement, you're missing out by not opening a LISA before a stocksand shares ISA, the government will add £1000 per year if you contribute £4000 and they can be used towards shares, so it's an instant 25% return on any money you add per year until you hit 39
Another great video mate. Inspirational. Question for you; if you had an opportunity to get your portfolio to £100k instantly, would you do it, even if it took you beyond the £20k PA ISA threshold? I guess what I'm asking is, is there a way to estimate if getting as much cash in as early as possible would (potentially) generate a better/faster return than going over the £20k ISA amount? Hope that makes sense! Cheers!
Hey Joe, it’s a great question. Vanguard did a study comparing lump sum investing vs cost averaging and they concluded (historically speaking) you would achieve higher returns from the lump sum investment. The only caveat being, I’m unsure whether that logic still holds if you had say £100k available to lump sum and sacrificed the benefits of an ISA by putting it in a GIA instead.
Why dont you include your pension in your portfolio analysis? For me at 37 and a 40% tax payer, its my primary saving focus. Tax efficent and invested 100% in equities. Come new year ill reach £100k in my SIPP. It will be a great milestone. My calculations are to reach £250k in 5yr(42), £500k in 10years (47), £1m in 17 years (54) and by state pension age (67) have over £3.5m.
It’s a good question, I probably should to be fair, I’m in a similar spot, pay 40% income tax and use it as a tax efficient pot, it’s all done through work and if I’m honest I rarely look at it! Great to have those calcs and forecasted returns from your SIPP, keep it up man!
@@MitchShoesmith yeh pay just as much attention in it as you do your other investments. The benefits in later life and inheritance planning are vast. But easier to start now than stumble to 50 or 60 and have to rush. If you later decide to go down the commercial property route you can put that in your SIPP. Plus use leverage up to 50% of the pots value.
Nevertheless, I would keep the balance. What's your portfolio really worth, if you never spend it? What's better: Being "rich", but not being able to spend anything because you are old and not healthy - vs. Being "well off" but having a good time until you are old, and then still being able to live a decent live. So fully agree with your point to not spend crazy on big baller clothing, cars or food - but I think you should still treat yourself here and then while you are young.
I'm interested in investing in alternative assets but I'm not sure if it's a good idea. Can anyone provide some insights on their risks and potential rewards?
Challenge Accepted :)) Let's see how many of us get there before Mitch does :)) In my case, assuming all other things are equal in my life, I should be at £100.000 cash invested around let's say September 2025 ^_^
Good video but if you look at when Charlie said that in todays money it’s more like a million not 100K Can’t remember the exact period he was referring to but it was talking about when he was in his early twenties
He said it at a Berkshire Hathaway AGM in the 90’s so yeah your certainly right that there is some inflationary adjustment to be made over the past 25/30years or so!
As someone passionate about investing, I frequently contemplate the strategies that enable top-tier investors to amass wealth through their investment endeavors. Currently, I find myself in possession of $545,000 in equity from a home sale, and I'm uncertain about the next steps. Should I consider entering the stock market at this moment, or would it be more prudent to await another opportune moment?
Certainly, a considerable number of individuals are achieving substantial six-figure profits during this market downturn. However, it's important to note that these successful strategies are primarily implemented by individuals possessing profound knowledge of the market.
Indeed, that is accurate. Despite lacking any previous experience in investing, I initiated my investment journey before the pandemic and managed to generate a profit of around $950,000 within the same year. In truth, my approach involved seeking professional advice throughout the process.
@@GraceHarris305 How can I get involved in this? I genuinely aspire to build a stable financial future and am enthusiastic about participating. Who plays a pivotal role in driving your success?
@@laurabruce-op1xx I've been under the guidance of Camilla Buck Merrick, a widely acknowledged figure for her competence and expertise in the financial market. Renowned for her comprehensive grasp of portfolio diversification, she is esteemed as an authority in this field.
@@GraceHarris305 She seems to possess intelligence and a well-rounded knowledge base. I conducted an online search for her name and discovered her webpage-thank you for providing that information.
Great video. But not sure I need financial independence. I'll have my state pension in 6 and 1/2 years time. And assuming things carry on as they are it will be a large part of the money I need to live!!
Before even starting to think about investing, you need to have an income that allows you to invest a strong amount each month. The advice in this video is the kind of advice I thought was great at 18-20. But once I actually understood money and realised it's too slow and the return isn't even guaranteed, I looked at other vehicles for wealth creation and growth. Not bad advice, but very generic and the kind of stuff every other investment guru preaches without the experience to back it up. Unless you have 100k in an investment account, don't make a video about how to do something that you haven't achieved yourself. It's spreading advice that isn't tried and tested. If you want real investment advice, buy a good book. University of Birkshire Hathaway is a good start.
4:38 "This is the difference between linear growth and exponential growth". Proceeds to show no growth and exponential growth. No growth ≠ linear growth last time i checked.
Why did you decide to purchase a rental property instead of putting it in your stocks and shares isa? Is it because you already maxed out the isa (20k) ?
No, it’s in the form of appreciation, aka the value of the stock/fund going up in price. You can expect the average market return if you reinvest your dividends.
Yep, just wait until you're about 70 to enjoy your returns.............this is how we have all been brainwashed to think.....nothing better being a millionaire when you are 70, stuck on medication and can hardly get out of bed in the mornings. No thanks !
