[Moneyguy1]

Aha.

The assumption is a 10% roi. I would say that is extremely optomistic, given the long range world economic forecasts and the pall that any curtailment in energy sources casts over everything. Look back at the performance of the markets during the first half of the 20th century. Not much movement there. We have been in an expansionist mode from about 1947 through the early 90s. The bottom fell out of certain sectors; others have shown some growth, but much of it has been relatively flat. Interest rates are currently low relative to the 80s, but high historically.

The internet is a poor place to try to explain financial concepts. Suffice to say that I have seen no forecasts that have turned out to be as optomistic as people would like. You have a high tolerance for risk, and that is possibly a function of your age, being somewhat on the "younger" side!! Trust me. That will change over time. If it does not, be prepared for a very rough ride in your golden years!!

Companies have armies of accountants and their hands in the pockets of the lenders. I do not have those options. Do you? You are on your own, totally dependent on the largess of the larger system, and content to take what ort falls from their table.

Ummmm...You seem to keep forgetting to reduce your profits by the interest you pay over time. You mention the interest, but not how it effects your "bottom line".

Have you, in your figuring "disaster proofed" your portfolio by diversifying into less "volatile" investments? LIke I said, Beware the Enrons that are out there!! Talk to those former millionaires.

It is ,as I have made the excuse for myself before, a function of my age. I don't even buy green bananas anymore, so most of my investments are as bulletproof as they can be while giving be a decent return.