No. of Recommendations: 1
free link:
https://www.nytimes.com/2026/02/08/business/retire...Don't forget that average retirement investor using market timing and individual stock selection, etc. is under performing the S&P 500 index by 5%-6% annually. You may as well set fire to your 401k contribution.
{{ **Long-Term Annual Gap (20-30 Years):**
* According to [Dalbar's 2025 QAIB report](
https://www.ifa.com/articles/understanding-investo...), the average equity investor underperformed by approximately **2.14% annually** over a 30-year period.
* Other data suggests a wider chasm, with the S&P 500 returning roughly **7.1%** to **10% annually** over 20 years, while the average investor earned only **2.1%** to **2.6%**. }}
intercst
