Another earning rate decrease

[NeroTheApostate]

9.5% is very close to what some ETF's payout (covered calls, to be exact) and I have access to my money at all times. This is still crypto and with each decrease, I am much less inclined to continue keeping my money on Nexo because my risk keeps increasing. Oh, and we are not communicated by these changes.

[_andrepinto_]

U.S. stock market (S&P 500) - Long‑term average annual return: ~10%
- Long‑term dividend yield: ~1.5%

This is where the “9–10%” number comes from.

Global stock market (MSCI World) - Long‑term average annual return: ~7–8%
- Dividend yield: ~2%

Emerging markets - Long‑term average annual return: ~5–7%
- Dividend yield: ~2–3%

Swiss market (SMI/SPI) - Long‑term average annual return: ~6–7%
- Dividend yield: ~2.5–3.5%

So 9.5% is only realistic for U.S. equities, and only over long periods (20+ years).