@felix.padilla.eng: AFTER A RED S&P YEAR THE NEXT THREE YEARS The twelve worst negative calendar-year S&P 500 total returns since 1980 for which the following three complete calendar years are available. Left is that losing year; right compounds the next three calendar years, with dividends reinvested. Overlapping periods are not independent crashes. USD, before costs, taxes and inflation. A later positive result never erases the timing risk. Calculate what you can keep invested. 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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Wednesday 04 November 2026 18:03:39 GMT