gretchen says: February 6, 2008 at 8:24 am one must remember that if one invests in the stock market 1. there are broker fees and other costs which averagae 2% and 2. you have to keep watch of your portfolio and read and evaluate to make sure you are in safe territory. also, all these averages (above) assume you put money in on a given date and left it there for the period mentioned. your particul