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Investing in an index fund can net you an income of between 3-10% per year on average. I think most people estimate between 4 and 6 % when talking about retirement. This post ignores providing any monetary values but your question makes it seem like investing is magical and arcane and will inevitably go to zero but that's simply not the case.
If you had 100 dollars in investments every year, on average, you could spend 4 dollars and that 100 bucks would never disappear. You'd have a 4 dollar income for as long as you live; let's call that your permanent income. If you had 1 million in investments you'd have a permanent income of 40k. At some point, you have enough money in investments that you could quit your job and live within your means for forever.
At some point you have so much money you could never spend your entire permanent income even if you live an extravagant lifestyle and you have to reinvest the returns by buying more assets (which then further increases your permanent income).
We should tax that second group of people more. I'd argue out of existence as there should be a cap in the amount of wealth a person should be allowed to have.
I tell you something about investing. If enough people invest there is thing called TV that they can make announcement and push indexes down by 50% in an hour and let them go back in 10 years so from your 100 bucks you will have 50 bucks and from your 4 dollars you will have 2 dollars per year. That saying you saved your 500 thousands in let's say 10 years now work 5 more years to go back to 500 thousand because you just lost 250k in an hour. You stand no chance when they want slaves. Million is for pussies they fuck everyday.
It seems you've been scorned from treating investing as gambling and I'm sorry to hear that but that's not how this works. Yes, markets can go down and you can lose money but:
This is all calculatable. The problem is we're all paying for some jackass's yacht when we should be paying for community rail and affordable housing.
You're dreaming or selling ? Retirement investment is Ponzi scheme. If you think there will be more and more people every year in your country look up birth rates. You know what is Kondratiev wave ? There is no real market right now, go make something and see how much it's worth and for how much billionaire owned companies are selling it and why they don't pay taxes.