Yes, that's why I said "average". Scott Burns, a syndicated writer from Dallas, has several easy portfolios using both equity and income funds. They might be better. Do you have any better options?
Originally Posted by cj6530
well......it really just means the long term average for stocks is about 10%. Go check a chart. The market goes flat for 16-20 years or so and then goes up for 16-20 years then flat for 16-20 years and so on and so on.