La mejor estrategia, la mas aburrida

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inves76
Boglehead
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Registrado: Lun Feb 04, 2019 19:00

La mejor estrategia, la mas aburrida

Mensaje por inves76 » Jue Feb 04, 2021 23:58

https://www.nytimes.com/2021/02/04/upsh ... ategy.html


Ever since Vanguard introduced its S&P 500 index fund 45 years ago, ordinary investors have been able to invest in broad stock indexes in a tax-efficient manner, with extremely low fees. Any schlub on the street can put money to work harvesting a small share of the earnings of hundreds of leading companies, led by some of the sharpest corporate executives on earth and their millions of employees. You haven’t had to do much of anything!

Your returns would have been strong even if you had terrible timing. Suppose you had received a $10,000 windfall in March 2000, the peak of the dot-com bubble and a moment at which we can all agree stocks were overpriced. Yet even with such unfortunate timing, if you invested that money in a low-fee S&P 500 index fund and reinvested dividends for the last 20 years, your $10,000 would have turned into nearly $28,000 by the end of this past month — a 5 percent annual return when adjusted for inflation.

And that was the single worst month in decades to begin investing. On average, if you were to select a month between 1990 and 2019 to begin investing, your annualized return through January 2021 would have been 9.8 percent after inflation. Simply for having the patience to sit on your hands.

So suppose you had begun saving $100 a month at the start of the year 2000 — again, near the peak of a bubble — and had continued doing so ever since, increasing your savings along with inflation, putting the money into an S&P 500 index fund and reinvesting dividends. Over the last 21 years, you would have contributed about $32,500, yet your portfolio at the end of January would be worth more than $103,000.

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kakadeluxe
Mensajes: 900
Registrado: Vie Feb 22, 2019 11:26

Re: La mejor estrategia, la mas aburrida

Mensaje por kakadeluxe » Vie Feb 05, 2021 09:26

That is the truth! :!:
"El interés compuesto, la octava maravilla del mundo", Mayer Amschel Rothschild.
Tu Dinero * (1 + i)↑n

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Elaurentico
Mensajes: 21
Registrado: Lun Jul 20, 2020 14:00

Re: La mejor estrategia, la mas aburrida

Mensaje por Elaurentico » Vie Feb 05, 2021 13:40

En efecto, es así. La estrategia es simple y aburrida, pero la más efectiva a largo plazo. Al menos así ha sido siempre.

A veces lo difícil es no hacer nada y seguir tu rumbo.

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