From time to time, I do receive questions and opinions from readers, on different topics. I am not a financial adviser or not registered to provide financial advice but there are some topics that I can provide inputs to debunk some fallacies but also to enlighten the pros and cons of some plans. I received this mail from a young reader with $50,000 to invest. He has learnt about the wonders of compoundng, and would like to find out what instruments he could look at and what are the returns that he could expect in 10 to 15 years.

The returns of different financial instruments

The straight forward answer is that most financial instruments entails some degree of risk, and you hope that, by taking on these risk, you could earn  a respectable reward for these risks. How much returns you will get depend on which period we are talking ......