@felix.padilla.eng: SELLING TOO SOON WHEN S&P 500 ENDED LOWER Historical share of complete holding windows that finished below the original investment, with dividends reinvested. All rolling whole-calendar-year windows in 1928–2025. One-year rows have 98 windows; fifteen-year rows have 84. Rounded to whole percentage points. This is NOT a future probability, a bear-market duration or proof that waiting removes risk. Intrayear entry/exit dates are not included. USD historical S&P series, with predecessor series before 1957, before fees, tax and inflation. Windows overlap. An observed 0% is not zero future risk. Separate actual bill money and near-term goals from a sustainable long-term amount in Deco. Separate bill money from long term savings. Search “Deco budget” in the App Store. Source https://pages.stern.nyu.edu/~adamodar/pc/datasets/histretSP.xls #PersonalFinance #DecoBudget
