work until you're 70, page-54

Just buying the index will give you those returns I showed, no need for financial astuteness. Also this has been a particularly difficult 30 year period, our market has gone sideways for more than 15 years now so most of the growth in an passive index fund has been dividends, the next 10 years will likely see substantial capital growth in the index(look at a 100 year XAO chartt)