Consider this. A broad market index is an average. The index averages all of it's constituents. As of today, the S&P 500 index has gained 202% over 10 years. It started at 1362.33 and is now at 4114.26 so it has tripled in value. How many investors have tripled their portfolio in the last 10 years? Damn few have done it. And yet, this is an average. Where are the above average people? Not everyone can be below average, by definition.