While the market may not have gone down over a 10 year period, that doesn't mean that the individuals investing in it didn't screw themselves by buying high and selling low in a long cycle of poor investment that is much more common than any of will ever admit. If only I could convince myself to quit playing with it so much. I did a lot better before I started educating myself on investing and was afraid to touch it much. Oh well, I'll just work until I die. Negative 35% this year. Oh, well- at least I can't buy high right now.