[69ConvertibleFirebird]

Real-estate is the only safe game in town.

You've got that right. With the power of leverage one could have made 20 times on their money over the past three years. My properties pretty much doubled in value. Well, up 80% actually. Although, real estate is cyclical like all other investments. It will probably be flat for quite a few years after the big run-up. Won't drop like stocks do though. (Yes, you might be able to point out two examples in the U.S. where that has happened but I'm talking in general.)

[hripka]

Long-term, above-average returns will return to trend.

Same goes for below-average returns.