Most IRA has gain in historic is not a surprise, annual return f

majority people can not beat index. I do not think people are satisfied with this return rate. For IRA, you can roll it out, and find your own custodian, and invest in housing market. That is another option too.  For most people, they do not have time or talent to learn these skills, they can just do dollar cost average on index funds for their IRA. This does not require much learning, at least they can get market performance, which is better than most active managed fund in long run.

Personally I constantly made 10-20% every year in last 10 years in stock market, so I do not have biased on stock market or housing market. But I roughly know a lot of my friends in IT industry's return in their own account or ira account, it does not look like they can beat market. In fact, a lot of them sold at market low, 401k became 201k or 101k.

所有跟帖： 

• 正因为如此，才需要建议更多的人学习正确的股市投资知识。股市需要的不是高智商，是普通常识。 -股市小书生- ♂ (881 bytes) () 08/12/2016 postreply 19:17:15

• 买买ETF算了。 股市是一个聪明人却会输给一群普通人甚至笨人。 -autumnjune- ♀ (0 bytes) () 08/12/2016 postreply 19:18:52

• 当一个聪明的人犯了愚蠢的常识错误，他还是一个“聪明人”吗？ -股市小书生- ♂ (0 bytes) () 08/12/2016 postreply 19:33:47

• If you talking about following market performance, yes. If not, -rsoption- ♂ (330 bytes) () 08/12/2016 postreply 19:24:48

• 我的观点是，即使是一个普通的市场均值指数回报，长期坚持，也可以积累巨大的财富，相对个人家庭而言。 -股市小书生- ♂ (0 bytes) () 08/12/2016 postreply 19:30:17