過去二十年的S&P平均年化率快到10%了，而且如果集中在IT股的話更可觀。複利的power是很驚人的

The average annual return of the S&P 500 for the past 20 years, specifically from 2005 to 2024, is approximately 9.72%, according to Experian. This figure includes dividends reinvested. 

 

Over the past 20 years, the Nasdaq Composite index has delivered an average annual return of approximately 10.9%. This represents a total gain of 687% over the two decades.