I want 15% yearly ROI. How to go about it? [Croatia]

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Tingting1013
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Re: I want 15% yearly ROI. How to go about it?

Post by Tingting1013 »

Triple digit golfer wrote: Sun Dec 27, 2020 6:34 pm
Marseille07 wrote: Sun Dec 27, 2020 6:33 pm
Triple digit golfer wrote: Sun Dec 27, 2020 6:30 pm
Marseille07 wrote: Sun Dec 27, 2020 6:27 pm
Triple digit golfer wrote: Sun Dec 27, 2020 6:23 pm You listed a mutual fund as the answer to the question of how to go about earning 15% per year over 30 years.

It is highly unlikely to be successful.
Why do you think so? 87% of active fund managers trail the SPX but the flipside is 13% of them beat the market.
Yes. 13% beat the market. In a given year. But it isn't the same fund managers each year. And even if done over 30 years, that still means he's highly unlikely to be invested in a fund run by one if them.
It's basically 2x S&P500 2x long-term bonds as far as I understand. Think of it like HEDGEFUNDIE but 2x instead of 3x.
I have no idea what that means, honestly.

But I don't have to in order to know that it's likely to not attain 15% annual returns over the next 30 years.
If an investment has an expected return of x%, then borrowing 100% and putting it into that investment will yield an expected return of 2x minus the borrowing cost. It’s simple math.

Expected return is not guaranteed return. But again, people generally don’t require guarantees for decision-making.
jarjarM
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Re: I want 15% yearly ROI. How to go about it?

Post by jarjarM »

Marseille07 wrote: Sun Dec 27, 2020 6:33 pm
Triple digit golfer wrote: Sun Dec 27, 2020 6:30 pm
Marseille07 wrote: Sun Dec 27, 2020 6:27 pm
Triple digit golfer wrote: Sun Dec 27, 2020 6:23 pm You listed a mutual fund as the answer to the question of how to go about earning 15% per year over 30 years.

It is highly unlikely to be successful.
Why do you think so? 87% of active fund managers trail the SPX but the flipside is 13% of them beat the market.
Yes. 13% beat the market. In a given year. But it isn't the same fund managers each year. And even if done over 30 years, that still means he's highly unlikely to be invested in a fund run by one if them.
It's basically 2x S&P500 2x long-term bonds as far as I understand. Think of it like HEDGEFUNDIE but 2x instead of 3x.
Actually, it’s 100% SP500 and 100% active managed bond. SP500 exposure done via future and swaps. While the performance over last 10 years is great (16% since inception), the boost in return from a bond bull market is muted going forward. I’m speaking as an owner of 7 figure on the fund. :beer
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ClevrChico
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Re: I want 15% yearly ROI. How to go about it?

Post by ClevrChico »

Get a job with a Megacorp with an Employee Stock Purchase Plan. With a purchase discount and a good company, a 15% annual ROI should be doable for the holding period.

There are income limitations, so you won't be able invest a huge portfolio this way. And you'll probably be holding for a couple years for the tax benefits. And of course, there is some risk.
Dottie57
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Re: I want 15% yearly ROI. How to go about it?

Post by Dottie57 »

J295 wrote: Sun Dec 27, 2020 6:39 pm For perspective. According to the SPY calculator with dividend reinvestment from June 2019 through December 2020 return is around 32%
Pretty small slice of time.
Stormbringer
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Re: I want 15% yearly ROI. How to go about it?

Post by Stormbringer »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage, luck, or most likely, both.
“The greatest shortcoming of the human race is our inability to understand the exponential function.” - Albert Allen Bartlett
Marseille07
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Re: I want 15% yearly ROI. How to go about it?

Post by Marseille07 »

Tingting1013 wrote: Sun Dec 27, 2020 6:55 pm If an investment has an expected return of x%, then borrowing 100% and putting it into that investment will yield an expected return of 2x minus the borrowing cost. It’s simple math.

Expected return is not guaranteed return. But again, people generally don’t require guarantees for decision-making.
This is not true at all. https://www.portfoliovisualizer.com/bac ... on2_2=-100
Tingting1013
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Re: I want 15% yearly ROI. How to go about it?

Post by Tingting1013 »

Marseille07 wrote: Sun Dec 27, 2020 7:25 pm
Tingting1013 wrote: Sun Dec 27, 2020 6:55 pm If an investment has an expected return of x%, then borrowing 100% and putting it into that investment will yield an expected return of 2x minus the borrowing cost. It’s simple math.

Expected return is not guaranteed return. But again, people generally don’t require guarantees for decision-making.
This is not true at all. https://www.portfoliovisualizer.com/bac ... on2_2=-100
Scroll down to the annual returns. Every single red bar is 2x the blue bar, minus the return of cash at that time.
123
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Re: I want 15% yearly ROI. How to go about it?

Post by 123 »

antisa wrote: Sun Dec 27, 2020 5:19 pm ...Let's assume I can tolerate any risk and my time horizon is 30 years.
If you can tolerate any risk it means you can lose everything you have every day (and have nothing after 30 years). Go to Las Vegas.
The closest helping hand is at the end of your own arm.
Marseille07
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Re: I want 15% yearly ROI. How to go about it?

Post by Marseille07 »

Tingting1013 wrote: Sun Dec 27, 2020 7:30 pm
Marseille07 wrote: Sun Dec 27, 2020 7:25 pm
Tingting1013 wrote: Sun Dec 27, 2020 6:55 pm If an investment has an expected return of x%, then borrowing 100% and putting it into that investment will yield an expected return of 2x minus the borrowing cost. It’s simple math.

Expected return is not guaranteed return. But again, people generally don’t require guarantees for decision-making.
This is not true at all. https://www.portfoliovisualizer.com/bac ... on2_2=-100
Scroll down to the annual returns. Every single red bar is 2x the blue bar, minus the return of cash at that time.
Oh I thought you were making an argument such that if you 2x SPY (with expected return of 8% let's say) then you can do 15%+ for medium-long term. If that wasn't your point then yeah I was mistaken.
Tingting1013
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Re: I want 15% yearly ROI. How to go about it?

Post by Tingting1013 »

Marseille07 wrote: Sun Dec 27, 2020 7:34 pm
Tingting1013 wrote: Sun Dec 27, 2020 7:30 pm
Marseille07 wrote: Sun Dec 27, 2020 7:25 pm
Tingting1013 wrote: Sun Dec 27, 2020 6:55 pm If an investment has an expected return of x%, then borrowing 100% and putting it into that investment will yield an expected return of 2x minus the borrowing cost. It’s simple math.

Expected return is not guaranteed return. But again, people generally don’t require guarantees for decision-making.
This is not true at all. https://www.portfoliovisualizer.com/bac ... on2_2=-100
Scroll down to the annual returns. Every single red bar is 2x the blue bar, minus the return of cash at that time.
Oh I thought you were making an argument such that if you 2x SPY (with expected return of 8% let's say) then you can do 15%+ for medium-long term. If that wasn't your point then yeah I was mistaken.
Long term returns will not follow the formula due to volatility decay.
Marseille07
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Re: I want 15% yearly ROI. How to go about it?

Post by Marseille07 »

Tingting1013 wrote: Sun Dec 27, 2020 7:39 pm Long term returns will not follow the formula due to volatility decay.
Volatility decay is one aspect but it doesn't follow for a different reason - as much as you gain 2x, you also lose 2x. It's that simple.
Triple digit golfer
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Re: I want 15% yearly ROI. How to go about it?

Post by Triple digit golfer »

So it's basically a 200% equity portfolio?
Marseille07
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Re: I want 15% yearly ROI. How to go about it?

Post by Marseille07 »

Triple digit golfer wrote: Sun Dec 27, 2020 7:42 pm So it's basically a 200% equity portfolio?
Yes. Look at this, 2x SPY trails 1x big time after 15 years: https://www.portfoliovisualizer.com/bac ... on2_2=-100

Leverage does not increase CAGR.
Triple digit golfer
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Re: I want 15% yearly ROI. How to go about it?

Post by Triple digit golfer »

Marseille07 wrote: Sun Dec 27, 2020 7:44 pm
Triple digit golfer wrote: Sun Dec 27, 2020 7:42 pm So it's basically a 200% equity portfolio?
Yes. Look at this, 2x SPY trails 1x big time after 15 years: https://www.portfoliovisualizer.com/bac ... on2_2=-100

Leverage does not increase CAGR.
Yep. One big bear and there go your returns.

Very high risk, obviously. For those who say go 100% equities, the response should be why not more?
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whodidntante
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Re: I want 15% yearly ROI. How to go about it?

Post by whodidntante »

ARK funds buy stocks that the manager believes will double in five years. That'll get you there if you believe the manager is capable of delivering on her promise. I don't think that picking stocks that double in five years is something a human can do, however.

You can get to 15% expected returns with leverage, but you'll likely need to use a leverage ratio high enough that bust out is a real possibility. Some people think you should apply leverage and in the event of bust out, reload and try again. This can be really hard for people to do in practice.
Alternatively, you can also sell on the way down to keep a constant leverage ratio. You will likely not bust out this way, but you can still incur massive losses. You can also apply a risk parity approach.

For a sober discussion on leverage, I recommend the book Lifecycle Investing. The Bogleheads have some great threads on leverage, but they were chaired by highly knowledgeable posters. One of the Bogleheads threads on leverage is referenced in that book in some detail.
sambb
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Re: I want 15% yearly ROI. How to go about it?

Post by sambb »

tech index fund plus real estate in hot area.
hi_there
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Re: I want 15% yearly ROI. How to go about it?

Post by hi_there »

Hi, OP. If you want 15% returns, open a Pizza Hut, Camp Bow Wow, or other franchise. This is the return claimed by their FDA. You will have to do a lot of work on the business, but investing is hard work, right?
Marseille07
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Re: I want 15% yearly ROI. How to go about it?

Post by Marseille07 »

Triple digit golfer wrote: Sun Dec 27, 2020 7:46 pm Yep. One big bear and there go your returns.

Very high risk, obviously. For those who say go 100% equities, the response should be why not more?
Yeah, -74% in 2008. Of course, lots of people ignore 2008 and only focus on rosy pictures.
newventurer
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Re: I want 15% yearly ROI. How to go about it?

Post by newventurer »

Yikes, min investment $1million
Tingting1013
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Re: I want 15% yearly ROI. How to go about it?

Post by Tingting1013 »

Marseille07 wrote: Sun Dec 27, 2020 7:50 pm
Triple digit golfer wrote: Sun Dec 27, 2020 7:46 pm Yep. One big bear and there go your returns.

Very high risk, obviously. For those who say go 100% equities, the response should be why not more?
Yeah, -74% in 2008. Of course, lots of people ignore 2008 and only focus on rosy pictures.
And yet, PSLDX returned only -33% in 2008.
Tingting1013
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Re: I want 15% yearly ROI. How to go about it?

Post by Tingting1013 »

newventurer wrote: Sun Dec 27, 2020 7:52 pm
Yikes, min investment $1million
Not true at many brokerages, including Vanguard
Marseille07
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Re: I want 15% yearly ROI. How to go about it?

Post by Marseille07 »

Tingting1013 wrote: Sun Dec 27, 2020 7:53 pm
Marseille07 wrote: Sun Dec 27, 2020 7:50 pm
Triple digit golfer wrote: Sun Dec 27, 2020 7:46 pm Yep. One big bear and there go your returns.

Very high risk, obviously. For those who say go 100% equities, the response should be why not more?
Yeah, -74% in 2008. Of course, lots of people ignore 2008 and only focus on rosy pictures.
And yet, PSLDX returned only -33% in 2008.
Well, that's an apples to oranges comparison. I'm not bashing anything of PSLDX, maybe their fund manager is brilliant. I was just illustrating that leverage does not boost CAGR.
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AerialWombat
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Re: I want 15% yearly ROI. How to go about it?

Post by AerialWombat »

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Last edited by AerialWombat on Sat Feb 05, 2022 7:53 pm, edited 1 time in total.
This post is a work of fiction. Any similarity to real financial advice is purely coincidental.
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Re: I want 15% yearly ROI. How to go about it?

Post by yangtui »

White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm Leverage and an active role. Think real estate investing.
+1
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Re: I want 15% yearly ROI. How to go about it?

Post by willthrill81 »

newventurer wrote: Sun Dec 27, 2020 7:52 pm
Yikes, min investment $1million
I'm 99% sure that that's not the case. There's a long thread about the fund here.
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Samosa22
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Re: I want 15% yearly ROI. How to go about it?

Post by Samosa22 »

willthrill81 wrote: Sun Dec 27, 2020 7:59 pm
newventurer wrote: Sun Dec 27, 2020 7:52 pm
Yikes, min investment $1million
I'm 99% sure that that's not the case. There's a long thread about the fund here.
IIRC, minimum investment at VG is $25k, Schwab 1-10K, and there is at least one broker with no minimum requirement (IB or TD?).
Diversification is protection against ignorance - WB.
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Re: I want 15% yearly ROI. How to go about it?

Post by Sandtrap »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
An average well strategized retirement portfolio is maybe expected to yield 4% annually and self sustain as a non dependable rule of some thumbs.

Real Estate multi unit housing (apartment building or other) is thought to be doing well if it can "net" between 6-8% or more annually.
There are areas of higher yield in R/E but not all are assured.

Service based businesses have a somewhat high profit margin for a self employed owner that does all the work because the highest cost is labor. Can you do this?

Some areas of the construction industry have high ROI as a businessman.

As mentioned earlier, opening and owning and running a franchise such as Pizza Hut, Little Caersar's Pizza, etc, can yield a high ROI depending on if you are there all the time as and owner and principle worker and operate it efficiently and if it is in a prime area, and if you are lucky. I have built a number of these and many think it is a great idea but it is not always.

Why do you want to earn an average of 15% of your portfolio investments?
How large is your portfolio (size begets what you can do with it)?

j :D
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LiveSimple
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Re: I want 15% yearly ROI. How to go about it?

Post by LiveSimple »

Try
Total Stock Market Index 33%. ( VTI or ITOT). -- Total Stock Index
Vanguard Technology Index Fund or other technology index 33%. ( VGT, or IGM, or IGV or IETC). - Sector Index
IShares Semiconductor index 33% ( SOXX). - Industry Index
Invest when you have the money, sell when you need the money, for real life expenses...
CurlyDave
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Re: I want 15% yearly ROI. How to go about it?

Post by CurlyDave »

Over the past 5 years CAGR for QQQ has been 22%. I have a substantial part of the Curly Family Portfolio in QQQ, but our returns have been less since we make periodic withdrawals in retirement.

Of course the first 10 years of QQQ existence were more of a struggle.
Answering a question is easy -- asking the right question is the hard part.
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Re: I want 15% yearly ROI. How to go about it?

Post by ivgrivchuck »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Lottery tickets and the like are the only option.

Options and other derivatives can behave like lottery tickets (you can easily double up or lose everything).
25% VTI | 25% VXUS | 12.5% AVUV | 10% AVDV | 2.5% VWO | 25% BND/SCHR/SCHP
BabaWawa
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Re: I want 15% yearly ROI. How to go about it?

Post by BabaWawa »

White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.
I've noticed many on the WCI Facebook group think much higher returns are guaranteed with shrewd stock picking, day trading, and Bitcoin.
flaccidsteele
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Re: I want 15% yearly ROI. How to go about it?

Post by flaccidsteele »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
That’s pretty difficult

You’re going to need some specialized skills on real estate, entrepreneurship/private business, to achieve that imo

Image

Image

Image

Image
The US market always recovers. It’s never different this time. Retired in my 40s. Investing is a simple game of rinse and repeat
herennow
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Re: I want 15% yearly ROI. How to go about it?

Post by herennow »

If you are new to investing, spend some years invested in diversified index funds, bonds and, commodities. Then read about taxes, and figure out how to minimize them. and live below your means. A combination of these three will yield 15% or more in most cases.
averagedude
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Re: I want 15% yearly ROI. How to go about it?

Post by averagedude »

You may need to lower your expectations. You really have very little control of what returns stock investments give you. It has been said that 88% of your returns and volatility in the stock market can be attributed to your asset allocation. Focus on what you can control, like increasing your income and savings rate.
shess
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Re: I want 15% yearly ROI. How to go about it?

Post by shess »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
My 30-year IRR is 45%. If I back out a certain employer's stock, it falls to 11%. Ergo, select the right employer.

Though if you presented me with this need today, I'd lean towards the start-your-own-business strategies people have suggested, such as franchising, or real estate (especially in areas where your neighbors don't want to visit). Your potential upside is limited compared to joining some sort of startup, but you can goose your returns with sweat equity.
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White Coat Investor
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Re: I want 15% yearly ROI. How to go about it?

Post by White Coat Investor »

BabaWawa wrote: Sun Dec 27, 2020 8:40 pm
White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.
I've noticed many on the WCI Facebook group think much higher returns are guaranteed with shrewd stock picking, day trading, and Bitcoin.
Us too. Any suggestions?
1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course
Samosa22
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Re: I want 15% yearly ROI. How to go about it?

Post by Samosa22 »

ivgrivchuck wrote: Sun Dec 27, 2020 8:37 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Lottery tickets and the like are the only option.

Options and other derivatives can behave like lottery tickets (you can easily double up or lose everything).
Seriously? For one, why would anyone buy a lottery ticket with the hopes of getting a whooping 15% in return?
Diversification is protection against ignorance - WB.
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anon_investor
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Re: I want 15% yearly ROI. How to go about it?

Post by anon_investor »

1. Study hard for the LSAT
2. Get into an elite law school
3. Get good grades
4. Get a job in BIGLAW
5. Profit

It's that "easy"!
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JoMoney
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Re: I want 15% yearly ROI. How to go about it?

Post by JoMoney »

Most casinos would be more that happy to give you an opportunity for a 15% return... with an 80% chance of success..
But if you fall into the 20% that loses, you lose everything.
"To achieve satisfactory investment results is easier than most people realize; to achieve superior results is harder than it looks." - Benjamin Graham
Xrayman69
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Re: I want 15% yearly ROI. How to go about it?

Post by Xrayman69 »

15% average Yearly ROI is not impossible but rather an outlier.

To the OP, I have no solid real idea or knowledge to provide you as an investor to achieve this goal. It is a goal, but to achieve this over an extended period of time (let’s say 30 years) would be a historical outlier. A few have done this most notably Warren buffet. However, Buffett readily admits his timing and luck were the largest contributors in that he was investing in post WWII in the US. The book outliers by malcom gladwell in 2008 provides a synopsis of timing and luck (and maximizing opportunity) as a contributing factor to outliers performance.

Now getting 15% ROI on something outside of investing is very achievable. The investment in higher education has a very high likelihood of getting greater than 15% ROI. Ie borrow 100K to get a graduate level degree vs a high school degree is very likely to have a ROI of greater than 15%.
Luckywon
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Re: I want 15% yearly ROI. How to go about it?

Post by Luckywon »

BabaWawa wrote: Sun Dec 27, 2020 8:40 pm
White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.
I've noticed many on the WCI Facebook group think much higher returns are guaranteed with shrewd stock picking, day trading, and Bitcoin.
Agree. Much of the advice there is as bad as it gets.
Marseille07
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Re: I want 15% yearly ROI. How to go about it?

Post by Marseille07 »

15% yearly for a long time (say 30 years) isn't easy. For 5~10 years, sure. But 30? Very difficult to do unless you can time the market, as B&H passive investing won't be enough, let alone a Boglehead AA with bonds in it.
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LiveSimple
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Re: I want 15% yearly ROI. How to go about it?

Post by LiveSimple »

Op, go to ishares.com
https://www.ishares.com/us/products/etf ... w=keyFacts

Sort by performance, then scan for the top 10 ETFs under ten year, five year and one year and see if anything suits you.

Pick, one or two or three ETFs and give it a try, you can make 15% for ten years or so at 80% probability, if you stay the course of your chosen ETFs. However that is your own portfolio and no one can guarantee the returns or the risks. What you view as returns are looking back, will it provide future returns, only time can tell.

But at least there is a path or plan for your request. But it is a slippery slope, some will add ARK funds, some will add QQQ, then the hedge fundie leverage, etc...
Invest when you have the money, sell when you need the money, for real life expenses...
Cyanide123
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Re: I want 15% yearly ROI. How to go about it?

Post by Cyanide123 »

antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
15% eh.... That's actually pretty easy with options, something like 15 percent could be done with only some small amount of risk with options. But this requires a lot of understanding of options trading, which is not for beginners. Those can be as risky or as low risk as you make them.

I personally Target 20-25 percent annual return. My portfolio is 20 percent up in 3 months, sp500 is up 12 percent in comparison. In 6 months I'm up 30% vs sp500 19 percent.

Agreed otherwise that real estate can get 15 percent as well. Look into syndications to start or PM me if interested in options strategies that give persistent returns with not much risk
f4d
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Re: I want 15% yearly ROI. How to go about it?

Post by f4d »

Retired in 1996...did not make 15% so far this year.

Total Investments...339760
Gain 43205
Percentage Gain 12.72

Does not include TSP :beer

For those who prefer hiking to ROI: https://www.walklakes.co.uk/hills/wainwrights.html
Last edited by f4d on Thu Dec 31, 2020 1:19 am, edited 1 time in total.
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dziuniek
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Re: I want 15% yearly ROI. How to go about it?

Post by dziuniek »

leverage
Get rich or die tryin'
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Re: I want 15% yearly ROI. How to go about it?

Post by prudent »

Some off-topic and snarky posts were removed.
BabaWawa
Posts: 538
Joined: Sun Sep 06, 2020 2:47 pm

Re: I want 15% yearly ROI. How to go about it?

Post by BabaWawa »

White Coat Investor wrote: Sun Dec 27, 2020 9:10 pm
BabaWawa wrote: Sun Dec 27, 2020 8:40 pm
White Coat Investor wrote: Sun Dec 27, 2020 5:49 pm
antisa wrote: Sun Dec 27, 2020 5:19 pm If I would like to earn on average 15% from my portfolio investments, how to go about it?

Let's assume I can tolerate any risk and my time horizon is 30 years.
Leverage and an active role. Think real estate investing.
I've noticed many on the WCI Facebook group think much higher returns are guaranteed with shrewd stock picking, day trading, and Bitcoin.
Us too. Any suggestions?
Not sure what to do, it's a shame because WCI is such a fantastic source of valuable investment info on low cost index fund investing, emphasizing buy, hold and rebalance.. Even as a retired doc, I love to go to WCI for sound advice. Looks like this generation of young physicians thinks differently. I'm done with that FB group. If I were James Dahle, after so many years of sound advice and building brand recognition, I would close down the FB group... It's just just a horrible reflection on what WCI has built.
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Stinky
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Location: Sweet Home Alabama

Re: I want 15% yearly ROI. How to go about it?

Post by Stinky »

Admiral wrote: Sun Dec 27, 2020 5:34 pm Save 50% of your gross income. You'll likely do very well.
If the objective is building wealth over time, rather than shooting for some arbitrary annual return number (15%), this is step 1. Save. Save. Save. A lot.

Then invest in index equity mutual funds. Earn market returns, no more, no less. Minimize your fees. Buy the whole haystack.

You'll build real wealth over time.
Retired life insurance company financial executive who sincerely believes that ”It’s a GREAT day to be alive!”
f4d
Posts: 138
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Location: SWFL

Re: I want 15% yearly ROI. How to go about it?

Post by f4d »

Stinky wrote: Mon Dec 28, 2020 5:57 am
Admiral wrote: Sun Dec 27, 2020 5:34 pm Save 50% of your gross income. You'll likely do very well.
If the objective is building wealth over time, rather than shooting for some arbitrary annual return number (15%), this is step 1. Save. Save. Save. A lot.

Then invest in index equity mutual funds. Earn market returns, no more, no less. Minimize your fees. Buy the whole haystack.

You'll build real wealth over time.
Amen
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