This one. Here's the S&P 500 since 1950 (as far back as Yahoo has data, but the stock market as a whole looks pretty much like that back to 1800): http://is.g

This one. Here's the S&P 500 since 1950 (as far back as Yahoo has data, but the stock market as a whole looks pretty much like that back to 1800): http://is.gd/dWQmU http://is.gd/dWQmU See if you can find a 30 year slice of that chart where it doesn't average 10% annual returns. If you're investing for retirement, that's how much time you have. Patience...