Last year my 5 yearTD "index" fund of $5000 didn't make me a cent.
The good part is it didn't loose me any either


Which TD fund? Most of my TFSA's RRSPS and my daughter's RESP are in
TD e series funds. I usually get about 4 to 5% on the e-series CDN bond
funds and I keep the Bond fund at about 15 to 20 percent of portfolios.
The CDN Index e-series fund has been about 6.5% a year average for
me since I started in 2004.

And I usually contribute $150 each a month to these accounts.