Welcome to Nirvana Systems In the 80's and 90's, it was appropriate to let mutual funds do your investing for you, with many funds posting gains of 15% to 30% per year in one of the greatest bull markets we have ever seen. All of that changed in 2000. The NASDAQ, bolstered by the internet and technology sectors, reached a peak of 5, 000 in March. In the sell-off that followed, Buy-and-Hold ...