---
title: "五年未参与市场意味着错过了近 80% 的收益增长"
type: "News"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/286956167.md"
description: "标普 500 指数自 2021 年以来的年化回报率为 12.44%，将 10,000 美元变成了近 17,972 美元，突显了市场时机选择的风险。美国国税局已提高 2026 年 401(k) 和 IRA 的限额，增强了税收优惠的贡献。此外，利用逐步增加的定期投资和持续的贡献可以显著提升长期回报，强调了纪律性在基金选择中的重要性"
datetime: "2026-05-19T19:09:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286956167.md)
  - [en](https://longbridge.com/en/news/286956167.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286956167.md)
---

# 五年未参与市场意味着错过了近 80% 的收益增长

Missed market rally: S&P 500's 12.44% annualized return since 2021 turned $10,000 into nearly $17,972, showing the high cost of market timing. Higher saving limits: IRS lifted 2026 401(k) and IRA limits, allowing more tax-advantaged contributions and greater long-term compounding potential. Power of structure: Step-up SIPs and consistent contributions can nearly double long-term returns, making discipline more important than fund selection.

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