> the returns can be negative (even in cases where you hold up to 15 years) Are you certain? Are you taking into account potential deflation or other factors d

> the returns can be negative (even in cases where you hold up to 15 years) Are you certain? Are you taking into account potential deflation or other factors during that time? There are some analyses that say that even if you bought at the height in 1929, you would actually still make you money back within 10 years. Here is an article from 2009 [1] suggesting that the very longest true downturn of the stock market was 8 years, during the recession of the 1970s. 1. https://www.nytimes.com/2009/04/26/your-money/stocks-and-bonds/26stra.html https://www.nytimes.com/2009/04/26/your-money/stocks-and-bon...