Working out a 10 year investment budget has always been challenging as, until recently, there has been no benchmark as to what the returns from a managed funds share portfolio might be.
Now, thanks to modern digital techniques that have examined investment returns going back to the 1790's, there is a number;
"The stock market’s has produced an inflation-adjusted total return of 6.0% annualized since 1793, according to research conducted by Edward McQuarrie, a professor emeritus at the Leavey School of Business at Santa Clara University.
https://www.marketwatch.com/
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