You're not going to get zillions of dollars in long term returns like the bottom graph, because your investing timeline isn't 90 years. But you SHOULD stop stressing about the day to day variation in...
the stock market when it comes to your retirement savings. Time is in your favor if you have 10-20+ years. Pick a diversified asset allocation and stick with a plan. The Coffee House Investor is a great book about this topic.
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