You don't get to travel back in time 5 years to make your investment decisions, so compound returns in the past are immaterial to you. You want the highest comp

You don't get to travel back in time 5 years to make your investment decisions, so compound returns in the past are immaterial to you. You want the highest compound returns in the future, which on average come from passively investing in the indexes. 1. This is an article of faith. 2. "On average" doesn't matter. How much effort is required to stay away from the low end of that average is what matters.