salvation
https://www.firstlinks.com.au/expect-portfolio-today
please note 'total returns ' equals capital gains plus divs./interest
good luck hoping for 12% across the entire portfolio
salvation
Why market forecasts matter to long-term investors
https://www.firstlinks.com.au/market-forecasts-matter-long-term-investors
salvation
Where do stockmarket returns come from over time?
https://www.firstlinks.com.au/where-do-stockmarket-returns-come-from-over-time
DYOR
PS some dividend reinvestment plans are better than others ( don't forget to research that before buying , even though the conditions can change over time )