The complaints generated in this thread stem from a lack of understanding of markets and finance in general.
My super has been in cash since before the crash in 2008, so I've missed the downturns and rises in the sharemarket. Overall people invested in shares have done better than I over time but now complain when they have a negative year. The smartest people had their money out of shares 6 months ago and will put it back in after the (probable) coming crash.
There's no point complaining about financial returns if you haven't taken the time to study how things work. My mistake in 2008 was in believing that governments and central banks would operate our financial systems with our long term interests in mind (the boom since then should not have happened since it is founded on debt and malinvestment) but I'm wiser now
