3077: How Can I Get an 8% Investment Return by ESI of ESIMoney on Long-Term Investing Advice

Optimal Finance Daily - Financial Independence and Money Advice

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Investing, Business, Education, Self-improvement

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🗓️ 18 March 2025

⏱️ 9 minutes

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3077: Investing for an 8% return is a long-term game, not a short-term guarantee. ESI of ESIMoney.com explains why this rate is a reasonable expectation for stock index fund investors over a decade or more, despite market fluctuations. He also shares his personal experience earning 10% or more through real estate and how staying consistent with low-cost index funds gives the best chance at solid returns. Read along with the original article(s) here: https://esimoney.com/can-get-8-investment-return/ Quotes to ponder: "There’s a big difference between making 8% on your money ‘at a time like this’ and making 8% on your money over a 10-15 year period." "You can give yourself the best opportunity to maximize investment returns by putting your money in low-cost index funds." "No one knows! Investing is inherently risky, so you do it hoping for a good return but knowing you might lose everything." Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Here's the truth about AI. AI is only as powerful as the platform it's built into. Service Now puts AI to work for people across your business, removing friction and frustration for your employees, supercharging productivity for your developers, providing intelligent tools for your service agents to make customers happier. All built into a single platform you can use
0:22.3	right now. That's why the world works with ServiceNow. Visit ServiceNow.com slash UK slash AI for people.
0:30.5	Hello blue skies. Hello moving onwards and upwards. Hello, taking control of your money.
0:40.1	Say hello to tax-free investing.
0:42.6	Open a stocks and shares, ICER,
0:47.2	and act by the 5th of April to get 100 to 3,000 pounds cash back.
0:49.1	Cargreaves lands down.
0:50.3	Hello Life.
0:54.0	Register and add or transfer £10,000 plus. You may go back less than you invests,
0:55.7	and tax benefits vary. For terms and conditions, see hl.co.ukh, forth slash isa.
1:00.9	This is Optimal Finance Daily. How can I get an 8% investment return by ESI of ESIMoney.com?
1:09.9	In posts like the best way to maximize your investment return and how a side hustle business
1:15.4	can get you to financial independence in 10 years, I use 8% as a long-term return percentage
1:22.0	when doing investment growth projections for stock index funds.
1:26.2	Many sites will use 10% since it's around the historical
1:29.5	long-term return of the stock market. And of course, Dave Ramsey uses 12%. I like to be conservative,
1:36.8	so I use 8%. Lately, when I've done this, someone will chime in with a question about 8%. Here's some
1:43.5	examples. I would like to know how you can
1:46.3	make 8% on your money at a time like this. It seems rather difficult. I'm enjoying your posts,
1:51.8	great ideas, but where do you find investments that pay 8% these days? Curious. Where does one get an
1:58.6	8% return every year? Let's talk about that. Some of these questions are
2:03.4	sincere, like the first two. While some might seem like they might be snide, like the last one,
	...

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