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The S&P500 with dividends reinvested has averaged a real (post-inflation) return of 7% annually over the last 100 years or so.

100 years isn't really "these days," though.

Not sure what that is supposed to mean. It's ~9 % the last ~5 years.

But only ~4% over the last 20 [0]. If you cherry pick start and end dates, you can make stock market returns look as good or bad as you'd like.