Prior behavior includes the 50% stock market crash in 2008 and ten year periods of negetive real stock market retutns. A financial plan that doesn't include a

Prior behavior includes the 50% stock market crash in 2008 and ten year periods of negetive real stock market retutns. A financial plan that doesn't include a probabity of these events recurring isn't one I can get behind. No expert recommends dwelling on only the most recent behavior.