I think the correct answer would be 10% growth, about the same as I can make in the market in about 3-4 months. So you have to ask yourself, “do you want to spend 5 years to make the same money you could make in a quarter”? P.S.-About the same amount of growth China has yearly. Also the same percentage of my salary that I save yearly. Which will double in 7.2 years. Confession: only save 9% so it takes 8 years to double,if only I could live longer.