Don't get me wrong, if I started investing today and someone told me in 2 year that I would get 12 times my money I would be all over it.  The issue for me and for some is we have been here for a long time.  I started buying in the $2.00's and have since averaged down.  If you were to tell me almost 10 years ago that in 12yrs you will make 20% growth I would have gone elsewhere.  That's my point.