Tuan Le retweeted
10 numbers every investor should know by heart:
6.9%
Real annualised return of stocks over 200 years. After inflation.
72
Divide by your return rate = years to double your money.
At 8%: 9 years. At 12%: 6 years.
40%
Of your total long-term stock return comes from reinvested dividends.
Spend them instead and you burn 40% of your compounding engine.
2%
Average annual inflation.
Over 30 years it cuts your cash’s purchasing power in half.
Over 50 years it destroys 73% of it.
10
The number of best trading days per year.
Miss them over 20 years and you lose half your returns.
Most fell during bear markets.
0.98
Correlation between S&P 500 and earnings growth over 30 years.
In the short term, sentiment rules.
In the long term, fundamentals always win.
4%
Safe withdrawal rate in retirement.
Historically lasts 30+ years without running out.
−14%
Average intra-year drawdown of the S&P 500.
Every year. Normal. Expected. Ignore it.
+36.4%
Average S&P 500 return in the 12 months after a midterm election year bottom.
The most reliable seasonal pattern in markets.
100%
Percentage of 20-year rolling periods that delivered positive real returns.
Every single one. In 150 years of data.
Save these.
They are worth more than most financial advice you will ever pay for.
Tuan Le retweeted
If you leave your job, you have 3 main choices for your 401k:
1. Leave as is. Good if you have low fees.
2. Rollover to IRA. Good if your 401k has high fees, but impacts Backdoor Roth. No ERISA protection.
3. Roll into a new 401k. Compare the fees. More favorable if you want to use a Rule of 55 eventually.
Tuan Le retweeted
So many people make the mistake of focusing on things you can't control:
> inflation
> interest rates
> stock market
instead of focusing on things you can control:
> your expenses
> your income
> your investment allocation & choices
> your discipline
Tuan Le retweeted
I asked some 50 year olds for their best advice for people in their 20s:
1. Buy less alcohol, invest instead
2. Stop buying fancy cars trying to flex on instagram. It's a terrible financial decision
3. Become financially literate asap. Understand basics
Anything you’d add?
Tuan Le retweeted
Over the last 987 days, l've invested $5/day in $VGT to show people that you don't need a lot of money to start investing.
These purchases made $2.5k so far. Balance is at $7.3k
Yet so many people think it's pointless to invest small amounts. It's not.
Tuan Le retweeted
$SPY Annualized real returns:
1929 - 1942: -0.9%
1968 - 1982: -0.3%
2000 - 2012: -0.7%
Sometimes 'Just buy the S&P 500' doesn't work as well as it has lately.
Tuan Le retweeted
Nearly 6 in 10 401(k) investors have money in a Target Date Fund.
Most have never looked under the hood.
That "set it and forget it" fund could cost you $200,000+ over 20 years - and nobody at your job will tell you.
Here's what's actually inside it ↓
Tuan Le retweeted
Beating the S&P 500 is not very difficult.
Beating the S&P 500 over 10 or 20 years consistently is very difficult.
Buying the market in accumulation stage (i personally like $VTI) is one of the best ways to invest for the 99.99% of people.
Simple and effective
Tuan Le retweeted
"I have $50k to invest. Should l invest it all at once or spread it out?"
Research shows that investing all at once outperforms spreading it out 68% of times.
But for a very risk averse person, cost averaging is fine.
Either one is better than sitting on cash long term
Tuan Le retweeted
Underrated life advice: Just be easy to work with. Show up on time. Do what you said you'd do. Bring solutions, not problems. Never create drama. Be responsive. Be emotionally consistent. Be kind. People will always want to support someone who just makes their life easier.
Tuan Le retweeted
Powerball for the mathematically challenged.
$1 billion prize
$433 million cash option
$226 million after taxes in NJ
1 in 292.2 million odds
22 cents on the dollar.
Tuan Le retweeted
You can literally just:
- Invest aggressively in your 20’s
- Invest aggressively in your 30’s
- Invest passively in your 40’s
- Skip the hustle in your 50’s
…A simple path to wealth.
Tuan Le retweeted
Man to man
The average milionaire is 57.
Not 21.
The average age to start a business is 43.
Not 23.
The average age to buy a house is 38.
Not 26.
The average age for a career pivot is 39.
Not 25.
Building animpressive physique takes 3 years.
Not 90 days
The average successful business takes 5-10 years.
Not 6 months.
So stop measuring your life against someone else's timeline.
You're not behind. You're still bulding. And you're right on time.
Tuan Le retweeted
The Rule of 72 is usually taught as a wealth-building trick: divide 72 by your return, and that's how fast your money doubles.
Nobody mentions it works exactly the same way in reverse - on your debt.
Here's the side of this formula nobody talks about: ↓
Tuan Le retweeted
How wealth actually builds over a lifetime:
20s: Build income & saving habits
30s: Scale assets & buy time
40s: Cross the $1M net worth mark
50s: Let compounding take over the heavy lifting
60s: Reach peak wealth.
GenZ shouldn’t compare themselves to Boomers.
Tuan Le retweeted
Bob invested $10k at worst times, during literal market peaks:
- Mar 2000
- Oct 2007
- Feb 2020
- Feb 2025
The stock market fell ~30% after some of his purchases.
Yet his $40k in the S&P 500 grew to ~ $197k today as he never sold.
Think long term.
