Why Stock Market Returns Are Never Predictable

Markets are messy, and that’s okay. I explain why stock market returns are never predictable, using 2025’s 17.6% and 2022’s -19.4% to show how 10% is a long term average while yearly returns bounce around. Follow my two PFC rules, live below your means and invest early and often. Free course: Investing for beginners in 60 minutes, plus Personal Finance Club sale with $30 off courses.

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Rolly's Take

For the seeker of clarity in a chaotic financial world, who knows that true wealth is a marathon, not a sprint. This blog speaks to those willing to embrace uncertainty, finding solace in simple principles that cut through the noise — urging them to invest in their future with patience and purpose.