I don't think you are missing anything. Let's say the person with 100% equities is retiring at 65, and wants a five-year bridge to Social Security. Is he seriously going to remain 100% equities because of how stocks perform over decades?Maybe I am wrong but buying and holding equities for a long period of time without withdrawals seems to be different than an LMP/TIPS ladder where a portion of the ladder is consumed annually. I apologize if I am missing something. This would seem more applicable to rolling ladders to me.Total real return to US stocks has been negative over at least 20 years and less than 2% for at least 30 years in the past:Have TIPS provided returns that more closely match one's personal inflation (which typically exceeds the CPIU) than a TSM index over any 10-30 year period?
If so how many times has it happened?
https://dqydj.com/sp-500-historical-return-calculator/
Statistics: Posted by Tom_T — Sun Feb 25, 2024 2:18 pm — Replies 64 — Views 3313