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To do this, you need ~15% annual returns. We analyzed popular options in terms of potential and risk and broke them down:
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S&P 500 ETFs — historically 9-10% a year. historically 9-10% a year. At that pace, doubling takes 7-8 years. During crises and corrections it can drop 20-50% (2008, 2020, 2022). A reliable option for long-term investments over several years.
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MSCI World
— slightly lower returns, and about 70% the same US stocks. But with the ability to reach different countries. Exposed to short-term volatility, and doesn't include emerging markets.
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Individual stocks
— no ceiling, a good pick can return 2-5x. No floor either: a company can go bankrupt and wipe out the position. Need to be carefully chosen, requires a lot of free time for analyzing reports and a basic interest in business.
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AI companies
— trendy; the sector with the best shot at 15%+ a year if the trend holds. The question is how much future growth is already priced in. Requires knowing the market well.
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IPOs
— a handful of standout stories set expectations, but most new listings underperform the market in the first 3-5 years after going public. Good market instinct plays a major role here.
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European ETFs
— lower returns than US indices, driven by sector mix (more banks and industrials, less tech). Less currency risk, for anyone already holding euros.
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Alternatives
— gold and real estate sit at the stability end. Ideal for those who already have more capital and can afford to wait. Illiquidity is a common risk across this category.
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Crypto
— offers the highest growth potential of any option here, and matching volatility. The easiest entry point. Trades 24/7, unlike traditional markets. Heavily exposed to US policy.
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P2P lending (Maclear, for example)
— 14-16% in fixed monthly payments; returns don't move with the market, but you take on borrower default and platform risk, fairly illiquid, but that's offset by a Secondary Market.
🌟 The conclusion suggests itself: there's no right answer here. The best approach is knowing your risk appetite, choosing based on your specific goal, and not putting all your eggs in one basket. Also factor in the assets you currently have.
Soon, we'll cover the topic in depth on Medium, with data included.