Over 40 years you get quote a bit of dollar cost averaging going on which helps returns significantly. Including dividends 4.5% after inflation.  Though fees may easily reduce that to under 4% for many people.<p><a href="https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Dollar_cost_averaging" rel="nofollow">https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Dollar_cost_averaging</a><p>The real issue is you need solid returns the first few years of retirement or your going to draw down a lot of capital.