The article uses historical returns to illustrate how a $5,000 investment in the Vanguard S&P 500 ETF (VOO) could grow over 20 years. It cites an average annual return of 9.98% for the S&P 500 since 1928 and 14.94% for VOO since its launch in September 2010. The author models three scenarios: a base case at 9.98%, a bull case at 14.94%, and a bear case at 7% per year. The article stresses that past returns are not guaranteed and that the stock market could crash or the S&P 500 could struggle.
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