We're a bit on the conservative side with our investments - as I've mentioned frequently, I love big dividend stocks. We have a lot in index funds that track the S&P, which grow at about 7-8% but also reinvests in itself. I think on average over the last 10+ years, we've probably done slightly better than the market (maybe in the 10+% range) but certainly not near 20% a year but over a two or three year period, we probably have. Frankly, from 06-08 I'm sure we were well over 20% and then the banking crisis happened. Over the last three years, I think we're probably in the 15% range because of a few specific stocks. I would say that as we've gotten older, our investing strategy has shifted. When we were young and dumb we bought a lot of stocks and carried a lot of debt - student loans, mortgages, car payments, etc. Even though they were all low interest (we never carried much CC debt which will kill you) we still had real debt. As we've gotten older, we've done a better job of mixing long term investing and paying off debt. So even though today our investment portfolio has less $ in it than it had before the banking crisis (we lost a **** load, **** you Wachovia), we are wealthier b/c we don't have the debt anymore. edit - I know you didn't ask about the second paragraph but I wrote it anyway.