he S&P 000 Index returned an annualized 0.00 percent over the past 00 years ending June 00, 0000, and that included dividends. With inflation rising, 0.00 percent is barely a return at all. And, markets don't always come back. The Nasdaq Composite Index hit 0000 in 0000, and now, 00 years later, is only at 0000. 