PS, if you noticed, all the funds I listed average well over 10% for over 20 years. So, yes, there will be years where it went down, but there are also years where it went up. That’s why you take a average over a long period of time, like 20+ years. I don’t know what you’re trying to about it going down in 2000-2002 but so did the index funds and the index itself.
