@knight026 - People here make way more than 25% annually - consistently. I was actually scaling down to 25% to cater for bad years. We are talking about facts - what has been happening. Not what one is thinking. Search for threads and you will see. Better yet, don't. Just click on the links provided. But to be fair to you, you've only be a member for four months. You will learn.

As you are busy [theoretically] explaining how it is not possible we are busy [practically] making money. Will it be the same for the next 20 years? No one knows. But that's not even an issue. I can get my money in and out of stocks as I please. And guess what, if I can make 50% or more in some years - like I and many other wazuans [actually] do at times - I might not even need the 20 years.

But having said that, I totally respect your opinion. It is in diversity that we thrive. It would be sad if everyone agreed with what I said. I'd never learn new things or get an opportunity to look at things from a different angle.

But it could be nice if our arguments were based on FACTS as opposed to emotions.

@maichblack, good quotes above, especially the below by Carnegie.

The average person puts only 25% of his energy and ability into his work. The world takes off its hat to those who put in more than 50% of their capacity, and stands on its head for those few and far between souls who devote 100%. - Andrew Carnegie

@Kenyan Oracle - Congrats!!! That's quite a handsome return!

And because some of this fellows will not want to do the math, let's do it for them: -

(11.8 - 4) / 4 * 100% = 195% [Approx: 191% net of commissions] in one year.

As people are busy saying it is not possible see how you can double triple the money you had last year! If you can repeat the feat, early next year you'll have 9 times what you had early last year!

But as Robert G. Allen would have you know, 'they' will say you were just lucky on this one and you are crazy to imagine you can repeat the feat! And you are also being greedy.

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Don't let the opinions of the average man sway you. Dream, and he thinks you're crazy. Succeed, and he thinks you're lucky. Acquire wealth, and he thinks you're greedy. Pay no attention. He simply doesn't understand. Robert G. Allen

@its2013, some few real estate deals can easily offset the loan repayments such as below.
http://www.a4architect.c...tate-investments-kenya/

Most kenyan real estate deals will find it difficult to offset the loan repayments.

Mortage issues aside...real esate investment vs stock investment....real esate is far much better.