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What is a decent rate of return for investing in the markets?
If someone is guaranteeing X%, then clearly you can borrow money for less than X% (otherwise his claim wouldn't be remotely impressive).  So why not do that if his 4% is guaranteed? :) Anyway, my answer would be that beating the market as a whole is a "decent" rate of return.  I've always used the S&P 500 as a benchmark but you can use other indices or funds.