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
Published in
5 min readNov 6, 2019
Keywords and ideas
- Trying to beat the market average is a loser’s game;
- Long-term market average → positive;
- The negatives compound over time;
- 3% difference produces a 229.30% difference over 30 years;
- 0.5% difference produces a 143.97% difference over 80 years;
- Examples of “costs” in personal development → stress, bad sleep, unhealthy diet, etc.;
- 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.