"Easily make 10-15% a year" .... until the market corrects and you lose 50%.

I said easily, I didn't say risk free. I also didn't say put everything in stocks. Stocks are extremely overpriced at the moment, and only a small of my portfolio are in them. Investing is a hobby I spend some time on each week.

I'm just pointing out that you should calculate the gain you could personally make from your capital and account for that in your decision.

Part of that equation is the time and knowledge required to invest that successfully, which not everyone has whether the time, the knowledge, or the time to acquire the knowledge.

If I could easily make 10-15% a year investing on top of my job, I'd do that. Maybe I'm just not as gifted as you.

I don't know why you think I insinuated it was impossible. I'm not a wealthy person who enjoys finance so it's reasonable that I would not expect to see gains like that.

How do you make an easy 10 to 15%?

Stocks, bonds, currencies, property, alternative assets (i.e. acquire a profitable something, invest in passive income assets such as solar energy SPVs, music royalties, etc)

It still takes a time investment to achieve that. There's no free lunch.

> There's no free lunch.

Indeed. It's not at all easy to make 10%+ on a recurring basis.