Stop whining about all the losses in stocks...this was one of the single best 12-month period to make money! The mistake people make is to only think of going long - investing means buying stocks. Almost everyone, at some point, knew that things were really bad and that the stock market would go down. But, they did not know how to go short or did not have the courage. Once people realize that going long or short are just mirror images of each other, then they can benefit from all kinds of markets.
I spent the 90's short the market and this decade long the market :)