Indeed. When people talk about how well their investments are doing they should utilise a ten year yearly average (or longer). I bet that $93K figure doesn&#x27;t include the years where they LOSE money, but a ten year yearly average would (e.g. making it 80K or similar).<p>And as you said they definitely lost money during the recession if they&#x27;re seeing 8% now. There&#x27;s no way they&#x27;re just doing that from bonds or dividends alone.