Average is not Normal

Over the last 80 years the stock market has advanced an average of 10% each year, but average is not normal when it comes to the stock market. The table pictured on the left shows the actual returns for the S&P 500 each year since 1975.
How many of those returns were 10%? How many fell between 9% an 11%? Not many were even close to average.

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So while you may be hoping for your investments to look like this.

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You will likely experience something like this.

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