We are SPOILED. The SP500 is NOT going to grow at 10% again. Is a 24% correction coming? Many of my friends recently decided to go fully into S&P 500 index. After years of not being able to beat the market, and the realization that trying to beat the SP500 is a fool's game, its not a hard decision. But what if the SP500 is not capable of producing the returns everyone is accustomed to? Over the last 20 years, SP500 returned 10% a year. ~8% from appreciation ~2% from dividends