Z, I state them precisely BECAUSE they are facts.
I deal with people on a daily basis who don’t realize the difference between these facts and opinions.

What might be “obvious” to you, isn’t obvious to everyone.

I agree with all that it is possible to make money in the market.

The fact remains that nobody knows what they will have in their 401K account 5, 10 or 20 years from now, regardless of any past returns.

My point is that just because there have been ups and downs in the past, and they PROBABLY will repeat, it isn’t guaranteed.

Even a time horizon of >10 yrs doesn’t g’tee the return.

Lots of people have no buisness being invested in the stock market.
Fortunes are made and lost by uninformed people.