You gotta keep in mind that there aren’t no guarantees in the market. But when it comes to the 10% average return it has been held remarkably steady for a long time.

The thing which we cant expect pretty much depends a lot on what is happening now and what have happened in the very recent past. 

But the rule to keep in mind is that the higher the recent returns are, the lower the future returns will be. And vice versa.

For the most part if you are estimating how the stock-market investment will return over time the best thing to do will be to use the 6% of average annual return in that why you wont be too depressed if one year the stock market takes a dive just as the beginning of this year.

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