The public market averages in the united states for stocks, publicly traded stocks, has been about six % a year. I would say, on the whole, if you're interested in public stocks, probably bettert in an index fund that tracts the market. You should probably be expecting rates of return, minus in fees, of four to five 6% a year. But i think it's better to start in your twenties and thirties, building a great reputation as investor and skill set, than trying to start inyour fifties or sixties or seventies.

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