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[–] Thisismyvoatusername 0 points 3 points (+3|-0) ago 

I have serious doubts they actually even had the data to actually determine the optimal point in a way that can be generally extrapolated even with a study pool of 2,024 people. I also don't see any indication they included any consideration of the time value of money in their calculations.

Some percentage of people will always choose the wrong time to start even if everyone did a full analysis before deciding. People die early unexpectedly. People live longer than expected. People make bad assumptions on inflation, market returns, casualty losses, etc. This article uses a study with the benefit of hindsight for the participants included in it. Having no crystal balls, the rest of are not so fortunate.