Actually not that bad, for last 25 years

17 up years; 8 down years;  ave. return = 1.38%

Up Years

2014   2.36%
2013   4.41%
2011  10.79%
2010   3.48%
2007   1.45%
2006   3.15%
2004   1.40%
2003   5.50%
2002   8.64%
2001   1.81%
1999   6.25%
1998   8.03%
1996   2.61%
1994   2.09%
1993   1.94%
1992   0.21%
1991   1.18%

Down Years

2012  -1.99%
2009  -1.77%
2008 -16.79%
2005  -1.77%
2000  -0.50%
1997  -3.45%
1995  -0.50%
1990  -0.69%