Hope springs eternal, eternally, it seems. So what if the dollar fell, oil soared and job growth stalled as 2005 started. Investors still expected double-digit market returns.

According to the SIA's annual investor survey, the median annual portfolio return expected in 2005 is 14.1 percent. This, of course, flies in the face of reality. The average real return for the stock market over time is only about 7 percent.

But it's hardly the first time investor expectations for returns ran a little too high

Expectations; Year-to-Year
2000: 30%
2001: 33%
2002: 19%
2003: 13%
2004: 10%
Source: SIA