http://flagship2.vanguard.com/VGApp/...ompContent.jsp

 

Very cool!

 

yup, just a reminder for the youngins to start early!

 

Wow...interesting...

 

Very cool. Now how to I become 25 again?

 

They sell these at Walmart

 

i hear napoleon is a good person to ask regarding time travel.

 

is 8% return every year a normal rate of return? I was doing okay end of last year, but its kinda sucking this year.

 

i believe the averaged rate of return is closer to 9%, but of course past performance does not dictate present or future. there is no such thing as a normal rate of return.

 

Is that thing fluxing as we speak?

 

was showed something like this when i started here at 18, been saving ever since.

 

8-10% can be expected out of the S&P500. But that doesn't mean you get 8 every year. Some years you get 15%, some you get 4%, some you get -15%.

That's why you need to stay in long term.

http://finance.yahoo.com/q/bc?s=%5EGSPC&t=my

As you get older you should move to bonds so another "2001-03" doesn't come up and take away 30% of your stash.

 

There are also quite a few funds nowadays that have set retirement dates on them and the ratios of stocks/bonds/cash are automatically changed as retirement gets closer to reduce risk. Quite easy for the person that likes to "set it and forget it".

I'm another lucky young one, 26 now but my dad started a Roth IRA for me when I was around 18 or younger and with this I have learned to put in 20% + of my income into retirement savings each year. During the years at home it was more like 60%+ of my income. I am trying to get my girlfriend to start some retirement accounts (she is 23 and she NEEDS to start now).