Список проголосовавших за комментарий "sergik99, 1. NASDAQ is NOT the broad market index. it is one sector index (technology) 2. USA broad market indexes NEVER showed negative total returns on 15+ year timeframe (counting dividends & reinvestments). more of this — USA broad market total returns on 15+ year basis almost always higher then bonds returns. So, you wrong with your arguments. Right conclusions are:<br/> 1. if u diversify enough your porfolio and<br/> 2. buy&hold long enough (15+ years) and<br/> 3. reinvest divs and profits<br/> ==> you simply CAN NOT loose your money, and in VERY long term basis u'll beat bonds & inflation — <br/> so — this is WIN-WIN game in longterm. but its REALLY LONGTERM game. 99% of people simply have no enough PATIENCE and financial planning abilities — they simply not enough organized to be disciplined good investors and they all too greedy to make success