@felix.padilla.eng: A BAD FIRST YEAR HOW THE DECADE ENDED Start at the beginning of each losing S&P 500 calendar year since 1970 with a complete ten-calendar-year outcome available by 2025. YEAR ONE is that losing year’s total return. TEN YEARS is the cumulative return from the SAME starting point through the ninth subsequent year, including the losing first year. Not the ten years after the loss, not annualized returns and not returns to add together. USD historical index series, dividends reinvested, before fees, tax and inflation. Windows overlap; no prediction of future recovery. Calculate an investing amount you can keep up. Search “Deco budget” in the App Store. Available on the App Store. Source https://pages.stern.nyu.edu/~adamodar/pc/datasets/histretSP.xls #PersonalFinance #DecoBudget

Felix Padilla Engstrom

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Tuesday 27 October 2026 12:00:38 GMT