"...the total interest generated by the fund will be 5% per year. " "...the fund interest could exceed 10% per year." I can buy MO right now at a dividend yiel

"...the total interest generated by the fund will be 5% per year. " "...the fund interest could exceed 10% per year." I can buy MO right now at a dividend yield of 7+% and have equity in the company. Assuming zero change in the dividend payout or stock price over the next 5 years - which I don't think is any more unlikely than your assumed 85% required success rate, the 5%-10%/year (with no equity) from your assumptions doesn't seem quite so attractive.