"The S&P 500 usually averages 10% over long timescales." This is a pretty meaningless statement. 6.8% over 10-20 years is certainly a nightmare scenario for m

"The S&P 500 usually averages 10% over long timescales." This is a pretty meaningless statement. 6.8% over 10-20 years is certainly a nightmare scenario for most investors and is probably a significant loss against the risk free rate over the same period.