Hey, I post here for free. I absolutely would never pay to post here. I gain nothing from it except occasional amusement at the naive dumb ideas put forward.

But if you guys are happy with a scheme that gives you a 40% drawdown over the last 10 years, and only a small gain over the last 5 years, fine! Nobody has actually addressed that point.

Just don't tell me that it makes sense.

It does not.

Furthermore, I have no idea upon what this community was founded. If it is founded on dumb ideas like buy and hold of an index fund, then it is high time to point out just how dumb those ideas are. Personally, I am focused on making money, not (as Cramer says) making friends. I could post all manner of dumb things here are get lots of recs, if I actually cared about that sort of thing.

And, as I said, nothing I have ever read here has helped me to make any money. Nor, after I said that, did anybody offer anything.

Idiocy is idiocy. If I call it that, I am doing you a favor.

Enjoy your comfortable little community, just don't expect me to buy into it.

The board says "Retirement Investing". Gee Whiz! I thought it might be about making money in your retirement account. Instead it must be a support group for people who hold index funds or something. Maybe you need a 12 step program to help you make sense.