[idont]

Rule of thumb: not too aggressive financial investment will make 4% on average. As long as the FED continues with "free money for all", the figures will remain lower. Grab your excel and simulate your situation starting from the sum of your fixed and varying costs. Do not forget anything (retirement plan, kids, etc)

[idont]

Do not trust people telling you you can make more usually 8% or plus. They are only employees who want to sell something or have an interest making you believe it is the case. The 8% is only a figure that our parents had. These days are over. Average is 4% (which also means that some years you will be negative!)