I’ve been saving for about 20 years and put my money into roughly 40% US equities, 20% int’l equities, 10% commodities, and 25% cash. I also take the occasional flyer on oil deals, a natural gas project, several real estate projects, etc. I think 9% is very conservative. Made 20-30% during the late 90’s and switched tactics after 2000. I was within about 10% of my ultimate cash out projection, got greedy and lost several hundred grand. I’ll now have to work a few years longer.
The historical return of the stock market can show you that 9% is not unreasonable. I would guess Piggs would get half of that at best because from what I’ve read they all seem to be too conservative and fearful. From my brief time here I can see there are a lot of, shall we say, novice investors as evidenced by the other post you referenced saying a high LTV represents a healthy down payment.
