Last year I had a bunch of cash right as Covid hit so I bought into a few indexes as well as some Energy and Tech stocks. My annual return on these assets was 4

Last year I had a bunch of cash right as Covid hit so I bought into a few indexes as well as some Energy and Tech stocks. My annual return on these assets was 48%. I don't expect anywhere near that next year though. I just so happened to have bought at the bottom of the market. I probably could have done a return on the order of 100% or more had I researched a bit deeper. I took a gamble on healthcare stocks that just didn't pan out. All that was was just that- speculation and gambling.