This is Optimal Finance Daily episode 1719.

How can I get an 8% investment return by ESI of ESIMoney.com?

And I'm your host and personal finance enthusiast, Diana Mariam.

Now let's get right to today's post and start optimizing your life.

How can I get an 8% investment return by ESI of ESIMoney.com?

In posts like the best way to maximize your investment return

and how a side hustle business can get you to financial independence in 10 years,

I use 8% as a long-term return percentage when doing investment growth projections for stock

index funds. Many sites will use 10%, since it's around the historical long-term return of the

stock market. And of course, Dave Ramsey uses 12%. I like to be conservative, so I use 8%.

Lately, when I've done this, someone will chime in with a question about 8%. Here's some

examples. I would like to know how you can make 8% on your money at a time like this.

It seems rather difficult. I'm enjoying your posts, great ideas, but where do you find investments

that pay 8% these days? Curious. Where does one get an 8% return every year? Let's talk about that.

Some of these questions are sincere, like the first two. While some might seem like they might

be snide, like the last one, though it's hard to tell. So I thought I'd post some thoughts on an

8% return rate. Then, if anyone asks about it in the future, I can simply point them to this post.

Quick responses to 8% return. Let's begin by documenting some quick responses I left on other posts.

I've responded to a few of the 8% comments above. Here's one of my responses.

There's a big difference between making 8% on your money at a time like this,

and making 8% on your money over a 10-15 year period. In my opinion, you need to invest for the

long haul to get decent returns and minimize risk. If you do that, there are several options.

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