[hnnewguy]

>Last year my account grew ~30%, it's increased 16.1% so far this year

Everyone looks smart during a bull run-up. That same SPY allocation would have been crushed in 2008-2009. On average, you'll get average results.

The CAGR of SPY for the past 100 or so years is about 6.5%, inflation adjusted. Good, but not 30% good.

[MagicWishMonkey]

I know the 30% return was an anomaly, but the 10 year returns on one of my funds is still in the ~10% range (even accounting for the recession), so I'm not really worried about it. It's better than a savings account, that's for sure.