If you plan on keeping money in a market based ETF or Mutual Fund for the long term chances are over the long term period it will average to about an 8-10% return and as long as its a retirement account will compound as well. Its actually riskier not to put your money in anything because inflation is guaranteed and leaving all your money in your savings account is a guaranteed loss over time.
We’re into bond funds and a few stocks that we’ve had for a couple of decades.
As long as we meet or exceed 5 percent return over a year, we’re OK.