Just curious about why you say this. I'm not saying you're wrong (because you aren't), but I would just like to know why you made this statement with conviction. I'm very aware something could happen, but I also experienced this in 2008. My 10+% returns have been on average since 2005. That's not to suggest or assume they will continue on this trend, but I am fairly confident that even in a recession or crash, the markets will eventually recover. I also keep on hand a decent amount of interest bearing cash to take advantage of these situations, and also protect from the downside. But like with any investment, there are risks.
well, perhaps you know something I don't know. If you've gotten consistent 10+% returns since 2005 without taking on huge risk, then more power to you. In any system, there are going to be outliers, perhaps you are one of them.