Long-term investors - those who buy-and-hold their portfolios - are often confronted by those who believe the period 2000 to 2010 was a "Lost Decade".

And if you use the S&P 500 stock index as an example, where annualized returns, including dividends, came in at about 1.4 percent per year, then you can see their point.

Or perhaps it was they who missed the point; that Index Trackers are a flawed investment idea and shouldn't be used as a model or a measure.

Here's a look at why, and what you could have made in the 'Lost Decade' with a bit of advice -