This is the source for the chart above. It shows "time in the market" is far more important than "timing the market."
USA Today writer Adam Jones explains why investing must be long-term. Within the article, there is side commentary by Lewie Hindman.
Develop faith in the stock market by looking at every 20-year period return. Even in the Great Depression, the market produced a positive return in any 20 year period.
This is an answer key to a worksheet covering when to use savings accounts, CD's, money markets, mutual funds, and stocks.