It’s a little early for Halloween, but lets consider a scary year: 2011. Â What’s so scary about 2011, you may ask? Â The S&P index fund went up a whole 0.39%. Â With a yield of about 2%, that’s a great return! Â Right. Â I bet you didn’t do nearly as well then. Â I’m willing to bet you under performed that year, and looked like an idiot. Â I certainly did. Â Why?