NASDAQ has returned nothing in almost two decades. So if you listened to the gurus 20 years ago and bought and held small growth stocks or funds you earned nothing. The market is irrational so I have zero in stocks right now. I earn 3.75%,on my money and I content with that right now. When the market returns to some semblance of rationality again I will invest in stocks. I do not anticipate that happening any time soon because the fed can not let interest rates be determined by markets. Why you ask? 20 trillion in debt and growing. We can not afford our country’s debt payments at market rates without ballooning the dollary.
Unless of course you bought a bunch of the stock when it was below 1000.