I've noticed a lot of poo-pooing of stocks and stock based mutual funds throughout the boards here. Is there a consensus thought here that stocks will underperform for the long term future compared to history? Is it just the volitility of stocks, and that most people posting are ER'ed and need income security? I'm 30, and everything I've read said be heavy in equity funds and slowly shift into bond/fixed as I get closer to retirement. Is this wrong? P.S. not trying to beat the market, influenced by coffee house (not as bond/cash heavy as they recommend, however), love index funds, in low expense (.18%-.4%). But I only have a ten percent stake in bonds right now. Am I cruising for a bruising at this point?