I agree, there are multiple ways to do this. However, do not overlook the fact that I have done exactly as I described, through the crash of 2020 and before, and bring in quite a bit more than the reported 12% using strategies I mentioned in the story. It’s a fact that I’m an outlier, but others can easily follow in my footsteps — that is the purpose of this piece.

While your conservative mindset has merit, do not be distracted by risk speculation while overlooking evidence. Further, never settle on a 3% return — you will lose to inflation.