Is that including or excluding dividends?
Includes dividends! Scary stuff.
“-9% total return for 10 years assumed that dividends were being reinvested. If you were spending those dividends instead, and not reinvesting them, your return for those 10 years was a negative 24%”
I suppose this adds weight to those who say to dollar cost average in to the market rather than lump sum. I would definitely advise against lump sum in to s&p 500 in this current environment. DCA in over 10+ years and you should be okay.
Yes, from what I’ve read online the UK market in undervalued. FTSE 100/ FTSE 250 could be strong performers going foward. Good idea to diversify rather than holding only US Large Caps for the next few years.
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I had a managed portfolio and a DYI portfolio when I started out at invest engine. After a few months I realised my DYI was doing better than the manage one so I closed the managed portfolio and started to only invest in the DYI one. In a way I feel more in control of my investments.