Seems like a classic risk vs return scenario. If the return is that much higher than the S&P 500, then the risk associated with it will also be higher. I think

Seems like a classic risk vs return scenario. If the return is that much higher than the S&P 500, then the risk associated with it will also be higher. I think the risk vs return is better balanced when you put your money in an ETF in Vanguard especially since there low fees and "choices" for particular markets.