Over the past 30 years,

the Nasdaq 100’s cumulative price return has been about 4,300%, with a compound annual growth rate of 13.45%.

The S&P 500’s cumulative return is about 1,054%, with a compound annual growth rate of 8.50%.

After 30 years of compounding, the difference in final wealth is nearly 3.8 times.

Investing the same 100,000 yuan—after 30 years, one grows to 4.4 million yuan and the other to 1.15 million yuan. Which one would you choose?