from top-level comment: >There's the Shift Index by Deloitte's Center for the Edge, which shows a long-term secular decline in return on invested capital (ROIC

from top-level comment: >There's the Shift Index by Deloitte's Center for the Edge, which shows a long-term secular decline in return on invested capital (ROIC) from 1965 to 2009 by 75%. It's fallen from 6.2% to 1.3%, and is on track to negative returns in a little over a decade. http://redd.it/1y3z3n http://redd.it/1y3z3n The comment you are responding too is asking what to do assuming the top-level comment is correct, and the total return on invested capital is, in fact, declining. Buying a low load index fund is advice that few people are going to argue with, but it doesn't answer the question.