I guess depends on which 10 years you pick and whom you compare yourself with - https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYea

I guess depends on which 10 years you pick and whom you compare yourself with - https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1998&firstMonth=1&endYear=2008&lastMonth=12&calendarAligned=true&endDate=12%2F16%2F2018&initialAmount=1000&annualOperation=1&annualAdjustment=1000&inflationAdjusted=false&annualPercentage=0.0&frequency=4&rebalanceType=0&absoluteDeviation=5.0&relativeDeviation=25.0&showYield=false&reinvestDividends=true&symbol1=SPY&allocation1_1=100&symbol2=SHY&allocation2_2=100 https://www.portfoliovisualizer.com/backtest-portfolio?s=y&t...