How to average 15% returns?

15% returns, huh? Wow. That’s… a lot. Like, a lot a lot. I mean, who wouldn’t want that?! Imagine what I could do with that kind of return! Early retirement on a tropical island? Finally fixing that leaky roof? Donating a chunk of it… Okay, back to reality. Fifteen percent, year after year? Sounds a bit like a get-rich-quick scheme, doesn’t it? I remember this one time, my uncle Tony, he got caught up in something promising crazy returns. It, uh, didn’t end well. Let’s just say he’s still driving that beat-up Corolla.

I’ve read, somewhere – maybe it was Forbes? – that the average stock market return is closer to 10% historically. And even that isn’t guaranteed, of course. Some years are good, some are bad. Remember 2008? Yikes. So, shooting for 15% consistently? Feels like playing with fire, you know? Probably end up taking on way too much risk, gambling on volatile stocks, stressing myself out. No thanks. I’d much rather build a diversified portfolio, a mix of stocks, bonds, maybe even some real estate if I could ever swing it. Ride out the ups and downs, focus on slow and steady growth. That just seems… safer. Smarter. Less likely to give me an ulcer. Honestly, I’d be pretty darn happy with consistent 8-10% returns. That still lets your money grow nicely over the long haul, without needing to chase those pie-in-the-sky numbers.