From that article: "While 10% might be the average, the returns in any given year are far from average. In fact, between 1926 and 2014, returns were in that “a

From that article: "While 10% might be the average, the returns in any given year are far from average. In fact, between 1926 and 2014, returns were in that “average” band of 8% to 12% only six times." So if you are investing on borrowed money with a guaranteed payout of 7% a year, that is not good for you.