See my Post #53.
No market moves in a straight line. You don't get 10% average annual returns in the market without some really brutal negative years and some really stellar years.
The market was WAY overvalued at its peak in the Clinton Bubble years. Now the valuations are back down out of the clouds, and the market is still chugging along.
Sorry, but on average, historically, it has been up around 10%, some years 30% of higher.
Spot on!