> A slight over simplification, for example s&p was negative 1% per year from Jan 2000 to Dec 2009. Plus the cost of your leverage. For the 2000s, a US-only in

> A slight over simplification, for example s&p was negative 1% per year from Jan 2000 to Dec 2009. Plus the cost of your leverage. For the 2000s, a US-only investor would only have been saved from the S&P500 by having at least 20% bonds and rebalancing: * https://www.forbes.com/sites/advisor/2010/09/13/its-not-really-a-lost-decade/ https://www.forbes.com/sites/advisor/2010/09/13/its-not-real... Of course if you were not US-only, but rather internationally diversified (and rebalanced), you would also have been fine. Diversification is important, even for Americans (cited sources in the description): * https://www.youtube.com/watch?v=1FXuMs6YRCY https://www.youtube.com/watch?v=1FXuMs6YRCY