Stock Market Investing - The Bigger Fish Point

If Jim had started investing in like 2005, and then done the same whole dollar cost average thing into the stock market, when 2008 hit, he'd be down almost 30% per year. That is part of stock market investing. If you aren't okay with that, if you can't stomach that, then perhaps a 100% allocation into stocks isn't right for you. More time tends to narrow the range of expected outcomes.