Thanks W for the above post. Young investors like me, need to get some perspective like this, because we were spoiled by massive returns in 2023 and 2024. I almost doubled my money in those two years. In 2025, I was +23% at some point, now sitting at +7,73% and keep thinking how this year was bad and slow. I remember J. Bogle's little book about investing, I've read it in 2021, the book was released in 2018 and he wrote that he is not very optimistic for the future returns in the markets, investors should aim for 4-6% return.