Here are the top ten mutual funds by size, and the return to owning them (including dividends) from January 1, 2015 through December 13, 2015. If you are feeling bad about your investments this year, you have a lot of company with the professionals running these funds. The average return (equal weighted) for these funds is a loss of 0.26%. So the smartest people in the world, with the best information, are being beaten by a snail.
Federal Reserve Chair Janet Yellen has kept interest rates at 0% (for now)