The majority of savers still buy stocks – either directly or through a mutual fund or exchange-traded fund – which are shares in a publicly listed company. Stock prices tend to rise over the long-term, which is why people buy them. Since 1926, the S&P 500 has posted a 10.24% average annual return with dividends reinvested, according to S&P Dow Jones Indices. In other words, if you invest in equities in your 30s and retire in your 70s, there’s a high likelihood that your money will have grown over those 40 years. Years ago, retirement-focused investors would have likely put their money… Read More