22 • RU BY, WILD ING & SWANSBURG That average return is a gross return. As we all know, ii nn vc leusdt me emnat sn aagreemheonut s feede si n. Svoe, hsioc ml e se oo rf tphoartt fgorl oi ows t thh awt i lol f tgeent ea ac ct eens s ebdy tfheaets r ye ot uur np ai ny at ot a ax - df ienfaenr cr ei adl accocmo upna tn, yl i. kAe nadn, IiRf Ay oour 4ta0x1e(sk. ), some of that growth will also get eaten up by future As a saver, you took all that risk—riding the roller coaster tyhoruomugahybbeooms and busts—and, in the end, it netted 5 to 6 percent a year after fees and taxes. F ive percent is okay, but it’s not the 12 percent savers are often guessing. What Comes Next? Aoft 2th0e08en-2d0o1f92w01o9u,ldmcaonnyteinxupeerotrs cwroasnhd.ered if the bull market IMnaMrcahrchwoafs 20w2h0e,nwethgeot CpOarVtIoDf-o1u9r apnasnwdeemr. ic fully hit Aa cmr oe sr si c tah. eB yc omu indt-rMy .a Tr chho, ubsuasni dn se sosfe sA ma nedr isccahnosotl rs awn se irtei ocnl oe sdi nt og wthoermksineglvfersomwihthoomuet ,aajnodb tahtoaulls.ands more suddenly found ¹⁴ TB hy emmi da-rMk ea trsc hr e, tahcet eSd&. P 5 0 0 ® had fallen 26 percent. Since the initial crash, the S&P 500 ® has jumped around, making it clear we have entered a new phase of market volatility. ¹⁴ TED (The Economic Daily) . U.S. Bureau of Labor Statistics. May 31 , 202 2 . “hUt tnpesm: / p/ wl o wy mwe. bnlts .rgaot ve /roi speusbt/ot er de c/ o2r0d2 0h /i guhn 1e m4 . 7p lpo eyrmc ee nn tt -irna tAep- rr ii sl e2s0- 2t o0-.r” e c o r d - high-14-point-7-percent-in-april-2020.htm
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