 If your money was in the minority of the market about 10 years ago, in other words diversified, your account would be just about breaking even today. In fact, after concerning all these fees your broker is charging you, it is possible for your account has actually decreased over the last 10 years. The good news is the elevator rarely drops without stopping on a few floors along the way. The problem is that hardly anybody gets off the elevator. Maybe they hope it will start going back up.