<prompt> Human: The 4 index funds are Canadian equity US equity International equity and Canadian bondsSince inception in 99 and 2000 respectively, the US equity and International equity funds have lost money. Is it just poor timing beginning before a bad decade for the markets? Why are funds that have lost money over a 10 year period being recommended?  <response>: Index funds are supposed to model a market. If the market does poorly, one would expect the fund to do poorly as well.They are recommended because in the long run markets typically increase in value. 