How Many Here Have Experienced a Sustained Net Portfolio Decrease Since Retiring?

[Gatordoc50]

I retired in 1999/2000 and my portfolio is up 3% in real terms since I retired. A well time moved from tech into bonds in Jan 2000, helped a lot. A move from bonds from 2009 through 2013 into stocks sure didn't hurt. Also as we have been discovering there were better choices for both equities and fixed income than benchmarks/calculations we have been using.

In another thread you were championing Firecalc as a retirement tool which I stated was better for entertainment. Perhaps I'm not using the "timing" function of Firecalc properly.