Do not trust people telling you you can make more usually 8% or plus. They are only employees who want to sell something or have an interest making you believe

Do not trust people telling you you can make more usually 8% or plus. They are only employees who want to sell something or have an interest making you believe it is the case. The 8% is only a figure that our parents had. These days are over. Average is 4% (which also means that some years you will be negative!)