Have you thought what does it looks like after 20 years in the Market as a Retail Investor with zero financial knowledge when he started ? To add, never blame economy, blame SARs, blame GFC, blame Tapering, blame Greece crisis or blame trump. ;) Nothing is impossible but if you don't look out for your own, no one will. At the end of the day, only ourselves to blame. Cory 2019-0127...