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These two charts tell the story:
[img_assist|nid=26524|title=1990|desc=|link=node|align=left|width=366|height=300]
[img_assist|nid=26525|title=2000|desc=|link=node|align=left|width=376|height=283]
Obviously, it is super nice in the 20th century to invest in the U.S. stock market, which is the rosy picture of the returns that investment advisers want you to believe in. But it is definitely the exception rather than the norm.
[img_assist|nid=26527|title=stock-market|desc=|link=node|align=left|width=466|height=314]