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<<How many of our readers can honestly say that they've averaged 7% per year return for the last 10 years?>>

Certainly anybody who simply invested in the Vanguard 500 index fund for the last 10 years (or other similar 500 index fund). Simple. Easy.

Absolutely --- I agree with you, Roy. But notice how many readers are chiming in here. Maybe only a few were clever enough to stick with an index fund. My point was that not everyone is clever enough, or disciplined enough, to get 7% over the long haul.
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