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A comment on Dow plunges 1000 points. Parent comment
However, the assumptions have only 80% in capital gains while this should be much higher for long term investors.
If you’re investing in a 401k then you add about 1-3% because you won’t be taxed each year and those gains are compounded.
And it’s assuming 1% admin fees from 2000+. This is way too high and is closer to .1% starting in the 80s with vanguard index funds.
So if you invest in tax deferred index funds you are looking at 5-6% after taxes and inflation.
But I like the way this matrix displays info and I want to find a version with assumptions for efficient 401k investors.
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However, the assumptions have only 80% in capital gains while this should be much higher for long term investors.
If you’re investing in a 401k then you add about 1-3% because you won’t be taxed each year and those gains are compounded.
And it’s assuming 1% admin fees from 2000+. This is way too high and is closer to .1% starting in the 80s with vanguard index funds.
So if you invest in tax deferred index funds you are looking at 5-6% after taxes and inflation.
But I like the way this matrix displays info and I want to find a version with assumptions for efficient 401k investors.