Someone once told me that stocks are the best investment for the long haul. Don't worry about trading in and out, just buy and hold on tight baby. Dont worry what the market does today, tomorrow or the next day, neither should I care about next month. In the long term it'll go up. REALLYY? So, if the S&P500 is the great long term investment instrument I'm a bit confused: Why in the hell is the annualized return from June 1998 to June 2008 only 1.2%. CD'S are kicking the stock markets ass!! Buy n hold seems more like buy n mold to me given those miserable stats.