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Re:Becoming a high performing software developer working fro... by jonny383 on Wednesday February 12, 2020 @09:19AM (#22308968)
Firstly, it was "low to medium" risk, not "low" risk.

Secondly, pretty much any reputable ETF (or combination of ETF's) can quite easily achieve this over 30 years.

Re:Becoming a high performing software developer working fro... by jbb123 on Wednesday February 12, 2020 @09:28AM (#22309046)
Most ETFs have returned about 7-8 % average long term (before allowing for inflation). Not a bad return, but very different over 20 years from 10-15%
Re:Becoming a high performing software developer working fro... by Kirby64 on Wednesday February 12, 2020 @03:35PM (#22312532)
Average rate of return is 7% accounting for inflation, actually. That assumes you're doing dividend reinvestment and such.

Vanguard's predictions of 3-4% over the next decade mean that if you do a straight dollar calculation you'd be closer to ~7%, because that 3-4% number includes inflation, once again.

Re:Becoming a high performing software developer working fro... by Solvitieg on Wednesday February 12, 2020 @03:18PM (#22312360)
It has to be said that this 7-8% average is inflated due to being at the end (?) of a ten year bull market.

Vangaurd is predicting low growth of 3-4% over the next decade.

Re:Becoming a high performing software developer working fro... by robohoe on Wednesday February 12, 2020 @09:37AM (#22309107)
7-8% is still nothing to scoff at. Better than a measly 1% in a savings account :D
Re:Becoming a high performing software developer working fro... by Ididntdothis on Wednesday February 12, 2020 @10:17AM (#22309433)
There is a slight difference in outcome between 7 and 15 percent return though :).
Re:Becoming a high performing software developer working fro... by akavi on Wednesday February 12, 2020 @09:27AM (#22309034)
There is no reputable ETF that will give you 15% return. Even 10% real return is incredibly unlikely.
Re:Becoming a high performing software developer working fro... by OJFord on Wednesday February 12, 2020 @09:58AM (#22309271)
I don't think 'unreputable' is fair - they're just a different (not 'low - medium'!) risk profile.
Re:Becoming a high performing software developer working fro... by Kirby64 on Wednesday February 12, 2020 @03:44PM (#22312617)
No, they're just non-existent. Anyone with a brokerage account had a ~20%+ return last year... it's over 30 years that matters.

I'm sure there's SOME ETF that managed to do 15% returns over a 30 yr period, but that's just selection bias after the fact. It doesn't mean that ETF would do well this year, or next.

Re:Becoming a high performing software developer working fro... by nuclearnice1 on Wednesday February 12, 2020 @01:06PM (#22311074)
What tickers?
Re:Becoming a high performing software developer working fro... by atombender on Wednesday February 12, 2020 @08:18PM (#22314520)
Perhaps they're referring to leveraged ETFs like UPRO (Direxion Daily 3X Bull & Bear S&P) and TQQQ (ProShares UltraPro QQQ).

Be advised that they are not designed to be held over more than a day, although with the current bull market, they have not actually been hit by the decay factor inherent to all leveraged ETFs.

Other higher-risk ETFs would be things like solar/wind sector ETFs (e.g. TAN, FAN, PBW, IQCLN, QCLN, etc.) or bleeding-edge biotech (e.g. SBIO).