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<p>[QUOTE=&quot;geekpryde, post: 1965575, member: 36248&quot;]<font size="5">Welcome back.</font></p><p><font size="5"><br /></font></p><p><font size="5">It you own ETF&#039;s that only hold baskets of 10 companies, I would say <u>you own the wrong ETF&#039;s</u>.&nbsp; You need way more diversification, and you don&#039;t need to own a lot of different ETFs to get there.&nbsp;&nbsp; IMHO, you ought to liquidate what you have, and instead put all your money into either a Total Market US, or Total Market World ETF, like:&nbsp;&nbsp; <a href="https://personal.vanguard.com/us/funds/snapshot?FundId=3141&amp;FundIntExt=INT" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://personal.vanguard.com/us/funds/snapshot?FundId=3141&amp;FundIntExt=INT" rel="nofollow">VT</a> (6,348 companies) and <a href="https://personal.vanguard.com/us/funds/snapshot?FundId=0970&amp;FundIntExt=INT" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://personal.vanguard.com/us/funds/snapshot?FundId=0970&amp;FundIntExt=INT" rel="nofollow">VTI</a> (3,740 companies)&nbsp;&nbsp; My kids own VT.</font></p><p><font size="5"><br /></font></p><p><font size="5">My wife and I own a similar extremely diversified<font size="5"> product, but with bonds, the mutual fund <a href="https://personal.vanguard.com/us/funds/snapshot?FundId=0306&amp;FundIntExt=INT" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://personal.vanguard.com/us/funds/snapshot?FundId=0306&amp;FundIntExt=INT" rel="nofollow">Vanguard Target Retirement 2045 Fund</a>.&nbsp; </font></font></p><p><font size="5"><font size="5"><br /></font></font></p><p><font size="5">Also, stock yield is only one part of a stocks return.&nbsp; I realize you made the caveat &quot;and as long as the price did not chance&quot;, but that is a BIG caveat, and gives very flawed estimated returns.&nbsp;&nbsp; You have free access to the historical data between 1992 and now, so why are you giving fake numbers out for the stock market?&nbsp; &nbsp; We KNOW what the returns are in the past for a broadly diversified portfolio, using an index like the Wilshire 5000 (better) or the SP500 (easier).</font></p><p><font size="5"><br /></font></p><p><font size="4">SP500 is + 378%.</font></p><p><font size="4"><br /></font></p><p><font size="4"><b>So you&#039;re $1,000 example would be $4,780!!&nbsp; </b>A lot better than your coin examples.</font></p><p><font size="4"><br /></font></p><p><font size="5"><br /></font></p><p><font size="5">[ATTACH=full]347815[/ATTACH]</font></p><p><font size="5"><br /></font></p><p><font size="5"><br /></font></p><p><font size="5">I&#039;ve said it before, I&#039;ll say it again, you really, really ought to spend time here:</font></p><p><font size="5"><br /></font></p><p><font size="5"><a href="http://www.bogleheads.org/forum/index.php" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.bogleheads.org/forum/index.php" rel="nofollow">http://www.bogleheads.org/forum/index.php</a></font></p><p><font size="5"><br /></font></p><p><font size="5"></font>[/QUOTE]</p><p><br /></p>

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