We will see at the next market crash
Remains I am happy for you and keep it up, you are a rare breed.
Self-Management is actually 10% of the market... so yeah... the ''do-it yourself'' took around 10% share.
Still Self-Management account are usually 3 types: 1) Poor and Young, 2) Know it all - Passionnate, 3) Expert-Finance Industry.
People with assets and where numbers start putting their brain in overload and those with fiscal strategie required... usually go for advice, and they are 80% of our clients.
I work in the field, so I handle it myself..... did 300% in the stock market over 3 years, 11% in mutual fund. Glad of it... but my assets were too small to make a ''WOW'' lol. Still young, got some stuff to pay
.
Those computer algorithm I know... they have the same in the automatic relocation assets.. that just keep your ''investor profile'' in check.
You should aim to have a return between 7% and 11%... 7% your capital doubles every 10 years, 11% its every 6 years. Between 7% and 11%, you are well diversified and above index returns.
REIT are quite boombing. We have a REIT fund... even in 2008, it went up... our REIT fund went up 30 years straight lol... its in 2009 that it bunk 9%... which was the returns it gave in 2009 lol.
You have the right mind about the mortgage... after it's cleared, invest the ''mortgage payment''.... Also, if you add a little 50$ per payment you could save a few more years on it
Personnally, I am aiming at a 12% annual returns before tax