u/IsabellaHughes527 5.0 2 ideas

The S&P 500 has delivered ~10% annualized returns over long historical periods and represents a simple, proven investment vehicle. The author is strongly considering it for long-term compounding, indicating a belief in its enduring potential for steady growth. A primary candidate for a "set and forget" long-term portfolio core, based on historical track record. Future US underperformance relative to global markets; concentration risk in a single country/economy.

A total world ETF provides broader diversification beyond the US. The author considers it due to concerns that extended US outperformance may not continue, seeking to mitigate potential regret. Viewed as a prudent, lower-regret option for very long-term capital, despite acknowledging its historically lower returns. May continue to underperform the S&P 500; dilution of exposure to the highest-performing market.