The 3.1% Myth: Why Wall Street's 'Average' Returns are Stealing Your Retirement Growth

Frank L Day

Published on: 25/03/2026

If you’ve spent any time talking to a traditional financial advisor, you’ve heard the "10% Average" speech. It’s the gospel of Wall Street. They pull out a colorful chart showing the S&P 500 since 1926 and tell you that if you just "stay the course"