How much the market returns varies wildly between decades, but 7% is what you will get on average through passive investing. You don't need to take big risks --

How much the market returns varies wildly between decades, but 7% is what you will get on average through passive investing. You don't need to take big risks -- plain index funds will do. Millenials are unlikely to see the stock market drop by more than 40% during their lifetime.