I read your post a couple days ago and was impressed. I bet
you must have done quite a lot of work…

Without knowing people’s investment philosophy, objective
and time horizon, I have no rights to comment on their investment portfolios.

In the last two years, the market has been doing ok. It’s
not difficult to construct a portfolio with 15% - 25% return (annualized) or
even more. I just have a kindly reminder---

Besides the calendar year return, you might need to consider
some important numbers in the long run. For example, the expense ratio, risk (say,
standard deviation), etc….

Have fun!