Nobody ever said anything about beating index funds and I don’t think indexing vs not indexing was ever a question. The original point you raised was that 10% average return over long term is not realistic in markets and actually 5-7% is more realistic. Most of the other posters here corrected you by pointing to 20-30 year performance of S&P500 and many other funds that have been able to return more than 10% annually. A balanced portoflio has returned 10% or more over 30 years and has beaten gold,commodities,bonds,etc during this time.
