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Cake day: February 20th, 2025

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  • If you’re saving into a total market index fund, your returns should go up in relation to inflation OVER THE LONG TERM.

    I’ve been investing for decades in VTSAX and similar across a few retirement accounts, and while there have been ups and downs, since I don’t touch it and keep adding to it in small amounts over time, I’ve had great success with beating inflation while doing absolutely nothing to manage my investment.

    Yes, there was basically a whole decade that didn’t do well, the following decade more than made up for the slow returns.

    That’s just how retirement investments work. You don’t look at a single quarter, year, or even decade, you look at your entire working life plus retirement. And the market has always been ahead at those time frames.