The historic normal return of the stock market is 8%. The market has done about 12-15% per year for the past 10 on average.

- Market fluctuations are normal and can be compared to a coin flip - Short-term sentiment can affect stock prices, but long-term fundamentals are most important - Market may experience years or decades above or below the expected average return - Earnings growth is crucial for maintaining market stability - Don't panic, there are always opportunities to make money in the market - Focus on where the money is flowing