Before You Invest Your Money

This tale first ran in Crain’s New York BusinessFor investors in the Standard & Poor’s 500-stock index, and that includes just about everyone who invests in mutual funds, the first 10 years of the 21st century will go down as a lost decade.Barring a stunning—indeed, nearly impossible—last-minute rally, the widely tracked index is headed for its first negative decade ever.Unless the index somehow generates a return of more of 10% by Dec.