RetireJapan

adamu wrote: ↑Fri Jun 16, 2023 1:55 am I wonder if this simulation also accounted for dividends?

It does not include dividend reinvestments. It comes from Nick Maggiulli's blog here. It just uses raw Dow Jones Industrial Average prices, probably because S&P did not start making the total returns version until 1987.

Including dividends of course would narrow the gap between the DCA strategy and the "absolute-bottom buying" alternative, making attempting the latter even less appealing

Pension Craft
https://www.youtube.com/watch?v=kzzrP6W8pYI

Another good video from Pension Craft

https://www.youtube.com/watch?v=v_ouYeSMPEU
The Great Bond Sell Off: What Does it Mean?

Another Pension Craft Video

https://www.youtube.com/watch?v=kzzrP6W8pYI
When to Sell a Stock or Fund

Tkydon wrote: ↑Sat Oct 14, 2023 11:15 am Another Pension Craft Video

https://www.youtube.com/watch?v=kzzrP6W8pYI
When to Sell a Stock or Fund

You posted this one last week. Did you mean to share another?

I have often watched some of the videos that are often posted here, and they all give great information.

However, I have recently come across this guy called Azul and I find his videos actually quite relaxing. He talks about retirement in different terms, and not just on "investing".I think he seems to point out something most of us know about, but more often than not, we push it to the back of our minds. Namely our health, quality time, our partner and resentment! I think a lot of the financial channels give great advice for younger investors, but I think some of them often focus just on the "finances", and lifestyle and not on some older guys/gals, who are nearly 60 years old. (probably because the video creators are often younger themselves.(not all) So I wonder....is it better to live on 4, million yen a year? or try and chase more yen? but with less time....or sometimes quality time. ( this could be a thread all on its own), and I wonder how much extra would that return actually, be if I did bust my backside for another 4 years.
https://www.youtube.com/watch?v=hCfqbZygANw&t=326s

Bubblegun wrote: ↑Tue Oct 17, 2023 2:45 am So I wonder....is it better to live on 4, million yen a year? or try and chase more yen? but with less time....or sometimes quality time. ( this could be a thread all on its own), and i wonder how much extra would that return actually be if i did bust my back side for another 4 years.

That is the question. We're going to die at some point, so how best to spend the time between now and then.

If you start early enough and go hard enough, you can transcend money. That gives you a lot more flexibility.

If you do nothing you're likely to end up in an unpleasant place financially.

Most people are going to be somewhere in between.

https://www.youtube.com/watch?v=VHHNYdpVwrU
Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations

https://www.youtube.com/watch?v=pQNaSEhJNbs

Retirement Game-Changer: Has Vanguard Got It Wrong?