> Of course, you could get unlucky, so that you're initially in the 2000->2013 style window, but you can't know that at the time. 2000+ was only an issue for U

> Of course, you could get unlucky, so that you're initially in the 2000->2013 style window, but you can't know that at the time. 2000+ was only an issue for US-only, equity-only investors: if you were globally diversified you were fine. Even if you were US-only, but had at least 20% bonds, you were also fine: * https://www.forbes.com/sites/investor/2010/12/17/the-lost-decade-was-a-golden-age-if-you-rebalanced/ https://www.forbes.com/sites/investor/2010/12/17/the-lost-de...