[BenMorganIO]

Depends on what you're looking at for ETFs and mutual funds, but I think 8%, with a lot of work, CSVs, and tracking performance can be obtained. I know 12% is doable with a lot of work.

[icedchai]

How's that? Over a decent period of time (5-10 years), 8% can be obtained with essentially no work just be investing in low cost index funds.