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Expected Return

Q :Very frankly speaking how much return do everyone target per year ?Gray zone between greed and unawareness how real return we can actually achieve ?

There are some mis conception regarding term Return On Investment (ROI) & Return On Capital (ROC).For example I have 1 cr capital, i want to invest in Real estate, EQUITY, LIQUID fund and Gold. Now Return on each investments(ROI) are different, and cumulative return on total capital (ROC) is different.

Every Financial instruments for investments structured on 3 factors

• Amount of drawdown of invested capital.
• Post Drawdown SPEED of Recovery.
• Consistency of Performance.

Safety of instruments measured on above criteria. Those having minimum drawdown, with High Speed of Recovery with consistent performance are called Safe instruments for investment.

So, Now point focus on one thing is Consistent Safe Return.There are some parameters related to Return and Consistency.

• RISK : (i.e. Amount of Drawdown of Capital)Famous dialogue of Harshad maheta series..." Risk hai to ishq hai ".Risk is Directly proportional to Return & Inversely proportional to Consistency. Means if you increase Risk it's increase your Return simultaneously it reduce your consistency of performance.
• Time : (Time is Money )Time is directly proportional to stability and consistency of Return.Means as you invested in longer horizon consistency and stability of return increase...So if u want consistent good return always choose longer horizon while in Shorter time frame use lese risky assets like Debt instruments.
• CAPITAL : Famous slogan in kathiyawadi term..."પૈસો પૈસા ને ખેંચે" ( Money attracts Money )Capital is main fuel require for Return as well as consistency. As capital increase it's increase consistency of return but at same time it's reduce amount of Risk taking capacity, so over all return.Means as fund increase all focus shift from Return towards Risk.
• Activeness : Activeness increase literacy in financial market, that again increase probability of getting higher return. Any Return possible depends on how you r actively involve in financial market. If you are Passive investors then yes there are limitations on overall return that depends on which instruments you select and for which time horizon.
• Experience : In any field there is no any alternative of single thing that is called EXPERIENCE. Experience increase your power of conviction as well as overall performance. It's directly proportional to amount of Return you want to achieve with manage Risk and consistency.

As Question is so hypothetical so answer is also looks hypothetical. But hope considering above criteria you can find out proper instruments for investment to achieve your life goal.