Yes but remember to think in terms of expected value. Which is kind of the “average” value of all the different return values you might get. 12% is the high en

Yes but remember to think in terms of expected value. Which is kind of the “average” value of all the different return values you might get. 12% is the high end, but what are the probabilities of smaller results? 12% might be the outlier and the expected value might be hovering around zero or less.