I don't know how she's done it, and maybe the 25% figure is too high, but without looking it up, I'm confident it's been a 20-30% growth every year. I've given her full reign to make trades, buy and sell anything that will keep the portfolio growing.... Usually have a call every quarter to see if anything's changed with short-term purchases like housing, cars, etc... Since I'm young in my mid-20's, it's a fairly aggressive strategy where I'd say 75% is tied into stocks.