You are not completely wrong but you can definitely use this over the long-term when in a composition of funds. https://www.bogleheads.org/forum/viewtopic.php?

You are not completely wrong but you can definitely use this over the long-term when in a composition of funds. https://www.bogleheads.org/forum/viewtopic.php?t=288192 https://www.bogleheads.org/forum/viewtopic.php?t=288192