[clamper1797]

I invested in a "top of the line" portfolio for 20+ years ... guess what ..........

[ThinkDifferent]

I invested in a "top of the line" portfolio for 20+ years

That sucks, but you must have had spectacularly bad luck. I was unfortunate to start investing at the height of the bubble, but I'm only down around 30% thanks to dollar cost averaging.