u/Evening_Warthog

▲ 12 r/AIRetirement+1 crossposts

10 Year Rolling Returns

Just for my "hobby" of dreaming up things to do with AI and a thought from one of Rob Berger's comments this week. This is the 10 year cumulative stock market returns gross and net of inflation. I was pretty surprised how high they were, mostly.

10-Year Period Cumulative Gross Return Cumulative Inflation Cumulative Net Return
1920 - 1929 +194.90% -1.11% +198.22%
1921 - 1930 +230.06% -16.77% +296.55%
1922 - 1931 +65.91% -14.90% +94.95%
1923 - 1932 +25.12% -18.62% +53.74%
1924 - 1933 +99.14% -24.22% +162.77%
1925 - 1934 +55.58% -21.88% +99.14%
1926 - 1935 +76.72% -21.72% +125.76%
1927 - 1936 +112.03% -21.64% +170.60%
1928 - 1937 +0.19% -17.17% +20.96%
1929 - 1938 -8.52% -17.84% +11.35%
1930 - 1939 -0.52% -18.91% +22.68%
1931 - 1940 +19.51% -16.08% +42.40%
1932 - 1941 +86.48% -3.18% +92.60%
1933 - 1942 +144.42% +19.70% +104.19%
1934 - 1943 +99.84% +33.84% +49.31%
1935 - 1944 +142.80% +31.39% +84.80%
1936 - 1945 +124.34% +31.00% +71.24%
1937 - 1946 +54.00% +40.73% +9.43%
1938 - 1947 +150.56% +55.25% +61.39%
1939 - 1948 +101.60% +70.62% +18.16%
1940 - 1949 +140.47% +71.14% +40.51%
1941 - 1950 +251.06% +71.82% +104.32%
1942 - 1951 +392.46% +76.39% +179.18%
1943 - 1952 +384.40% +62.72% +197.69%
1944 - 1953 +280.94% +54.73% +146.19%
1945 - 1954 +385.50% +52.75% +217.83%
1946 - 1955 +368.14% +48.87% +214.46%
1947 - 1956 +442.64% +39.27% +289.64%
1948 - 1957 +357.99% +25.75% +264.19%
1949 - 1958 +522.34% +19.92% +418.98%
1950 - 1959 +486.56% +22.44% +379.08%
1951 - 1960 +347.44% +22.92% +264.01%
1952 - 1961 +357.79% +15.17% +297.48%
1953 - 1962 +252.98% +13.93% +209.81%
1954 - 1963 +337.80% +14.39% +282.73%
1955 - 1964 +234.13% +15.53% +189.22%
1956 - 1965 +185.59% +17.73% +142.59%
1957 - 1966 +141.05% +19.47% +101.77%
1958 - 1967 +234.96% +18.89% +181.74%
1959 - 1968 +159.49% +20.74% +114.91%
1960 - 1969 +112.07% +26.02% +68.28%
1961 - 1970 +119.54% +31.36% +67.13%
1962 - 1971 +97.78% +35.52% +45.94%
1963 - 1972 +157.83% +38.33% +86.38%
1964 - 1973 +79.18% +45.17% +23.43%
1965 - 1974 +13.11% +59.21% -28.96%
1966 - 1975 +38.00% +70.96% -19.28%
1967 - 1976 +90.02% +75.44% +8.31%
1968 - 1977 +42.26% +81.76% -21.73%
1969 - 1978 +36.50% +87.51% -27.21%
1970 - 1979 +76.69% +97.82% -10.68%
1971 - 1980 +124.95% +112.21% +6.00%
1972 - 1981 +87.12% +124.42% -16.62%
1973 - 1982 +91.17% +130.51% -17.07%
1974 - 1983 +174.54% +123.99% +22.57%
1975 - 1984 +296.78% +110.28% +88.69%
1976 - 1985 +280.96% +99.49% +90.97%
1977 - 1986 +265.06% +92.32% +89.82%
1978 - 1987 +313.95% +87.26% +121.05%
1979 - 1988 +352.99% +81.17% +150.03%
1980 - 1989 +403.66% +70.59% +195.25%
1981 - 1990 +268.56% +58.42% +132.65%
1982 - 1991 +405.69% +49.66% +237.90%
1983 - 1992 +347.74% +45.28% +208.18%
1984 - 1993 +302.15% +45.00% +177.34%
1985 - 1994 +283.41% +42.64% +168.80%
1986 - 1995 +300.44% +41.67% +182.65%
1987 - 1996 +314.92% +43.06% +190.02%
1988 - 1997 +425.73% +41.13% +272.51%
1989 - 1998 +479.70% +37.74% +320.86%
1990 - 1999 +432.82% +34.33% +296.66%
1991 - 2000 +399.83% +31.78% +279.30%
1992 - 2001 +237.55% +30.01% +159.64%
1993 - 2002 +144.33% +28.24% +90.53%
1994 - 2003 +185.61% +27.37% +124.24%
1995 - 2004 +212.56% +27.49% +145.16%
1996 - 2005 +138.34% +28.24% +85.86%
1997 - 2006 +124.44% +28.61% +74.52%
1998 - 2007 +77.54% +29.36% +37.24%
1999 - 2008 -13.01% +32.17% -34.18%
2000 - 2009 -9.12% +28.80% -29.44%
2001 - 2010 +15.04% +26.56% -9.10%
2002 - 2011 +33.32% +27.05% +4.93%
2003 - 2012 +98.52% +27.68% +55.49%
2004 - 2013 +104.25% +26.68% +61.23%
2005 - 2014 +109.42% +25.32% +67.11%
2006 - 2015 +102.37% +21.32% +66.81%
2007 - 2016 +95.68% +19.09% +64.31%
2008 - 2017 +125.99% +18.16% +91.25%
2009 - 2018 +243.00% +16.57% +194.25%
2010 - 2019 +256.65% +19.15% +199.34%
2011 - 2020 +267.00% +18.68% +209.25%
2012 - 2021 +362.60% +20.40% +284.22%
2013 - 2022 +226.58% +27.36% +156.42%
2014 - 2023 +211.53% +30.62% +138.50%
2015 - 2024 +242.57% +32.29% +158.95%
2016 - 2025 +298.33% +35.60% +193.76%
reddit.com
u/Evening_Warthog — 6 days ago

I don't often see much discussion of Social Security timing with a 100% spousal benefit for your partner.

I found it very interesting that my Open Social Security recommended claiming time is 67 and 4 months but if I assume a reduction in benefits of 23%, then it recommends claiming at 62.

I'm only 59 right now but this does complicate decision making over the next couple of years 😊

I also understand the benefit of waiting till 70 for survivor benefits but I am by far the healthiest person in our relationship. The draw down on savings from waiting till 70 would just be too much at the moment

Any thoughts?

reddit.com
u/Evening_Warthog — 25 days ago