Becoming Superhuman

Founder of Vanguard Says “Where Costs Are Concerned, Time Is Your Enemy” And What This Means For Your Personal Development

How a 0.5% difference can result in a 143.97% difference over time

https://en.wikipedia.org/wiki/S%26P_500_Index — S&P 500 Index, Wikipedia

Keywords and ideas

1. Trying to beat the market average is a loser’s game;
2. Long-term market average → positive;
3. The negatives compound over time;
4. 3% difference produces a 229.30% difference over 30 years;
5. 0.5% difference produces a 143.97% difference over 80 years;
6. Examples of “costs” in personal development → stress, bad sleep, unhealthy diet, etc.;
7. Removing your “costs” → less is more.

Introduction

I t is a nice thing to know that the positive things like habits can compound over time, but how about negative habits? What if I told you that you don’t need to do more, but you need to do less i.e. less of the negative? Let’s take a look at how this is similar to the principles behind S&P 500 and Vanguard.

What is the main underlying principle behind Vanguard?