[l2ridehd]

I always look for more then 8.5% to put my money at risk. I want a 15% annual return. And there are enough good companies whose stock is selling at a bargain to provide that. It takes some research and some work to identify them and to understand them, but the returns are worth the effort. I would rather own 4 or 5 really good stocks then some funds that spread them over 100's of stocks. Just my personal choice and not for everyone.