[35636]

That was more true at a time when interest rates on CDs were 6%. Now they are 1%.

If you want a decent return today you've got to heavily leverage or take on a lot of risk. That's probably going to be the norm for a while.

[Tyrannosaurs]

That's true, the question is how quickly will he be able to return a similar amount to the fund?

Yes, the next three years might be low but it will rise again and the question isn't just when he can start paying back into it, but how quickly can he get it back to it's current level.