> Timing is crucial for good returns - depending on when you put in and take out your money the returns can be negative (even in cases where you hold up to 15 y

> Timing is crucial for good returns - depending on when you put in and take out your money the returns can be negative (even in cases where you hold up to 15 years) This is well captured in this guy's drawdown charts: https://portfoliocharts.com/portfolio/drawdowns/ https://portfoliocharts.com/portfolio/drawdowns/