Saving is For the Poor, Investing is For the Rich
Nick Maggiulli

My standard response to investing questions is to tell people to consider a Vanguard balanced fund or a target-date fund.

I’m curious whether “investment gains” in your post include dividends and/or dividend reinvestment. Conflicting data exists about the percentage of total investment wealth coming from dividend reinvestment over a 20 to 30 year time horizon.

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