3 ms·There's no guarantee $150k invested will have 4% returns either.by jackblemming 4y agoThere's no guarantee $150k invested will have 4% returns either.p_j_w 4y agoNo, but if I had to bet on one over the other, I'm going with 4% returns.beambot 4y agoTo be fair: It will probably be easier for him to go from $500/mo to $1000/mo much easier than it will be to go from 4% APY to 8% APY.