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I don't understand the question. I didn't start investing in 2007 so the decline in 2008 is just one of many "bumps" in the road (more of a pothole I guess:) Granted, 2008 was much larger than the other bumps, but I don't measure my gains from some arbitrary peak or valley in the market.

FWIW our investments value has gained 30% since Dec '07, but 25% of that gain is added contributions.

Our real average gains for all investments (without adding money) are:

1 Month ROI	3.63%
1 Year IRR 19.60%
2 Year IRR 24.81%
5 Year IRR 5.45%
10 Year IRR 5.93%
Total IRR 7.21% (since '94)

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