i'll acknowledge this is still officially a bear market and we could go far lower. but $400 just isn't realistic... ~ $1000, worst case.
Maybe. I wouldn't be real surprised if it ultimately flattens out at $600-$800. But in the big picture today, those are details. It still means "get out now".
And - I never said mutual funds are in the same league of returns. I said they have good returns and are hugely less risky (which itself is a form of return).