All by myself, my portfolio is a standard combination of VTI, VXUS, BND. It won't always be as good as this year (yearly return ~15%), but achieving an IRR of ~

All by myself, my portfolio is a standard combination of VTI, VXUS, BND. It won't always be as good as this year (yearly return ~15%), but achieving an IRR of ~8% throughout my life would be amazing.