If you save $5,000 per year and invest in the best version of the Stars model, you should have $100,000 in 7 years. This is based on 25 year returns. After that you don’t really need to save more for retirement but can address other priorities you have. In 25 years that $100,000 will grow to $12 million. The annual return is 21% per year which is less than Warren Buffet’s 54 year return of 23% per year.

Stars is a buy and hold strategy that requires no stock selection or market direction knowledge. The strategy makes about the same amount whether prices are rising or falling if you consider the correction to include the two years after the market low. In a rising market TQQQ acts like 4 SPY (the S&P). In the year after a correction low (S&P down 20%) TQQQ acts like as much as 32 SPY. The TQQQ position grew 4 times on rebalancing and the TQQQ volatility rises from 4 to about 8.

With Stars you have the best investment strategy that I can find. It does have drawdown to obtain these incredible results but you are at new portfolio highs within 2 years. The use of the Stars strategy also means you only spend one hour per year on investments. You need no knowledge of anything else. Something will make the market move. Most of the stocks you own in SPY and TQQQ are in the top 1.5% of all stocks.