It is incorrect to say that mutual funds only get an annual percentage a year. There is compounding that goes on in mutual funds too.
Mutual funds pay out quarterly dividends and those dividends are then reinvested in the fund. This increases the number of shares you have. The more new shares you own the more new shares you receive during future quarterly dividend payouts.
The fund I use also has a proven track record averaging a 10% annual return for the last 15 years in a row and I have received 10% ROI since my investment.
The problem with betting horse racing is that if you have a system that gives you 4%, you have to be very disciplined. For example, my show betting system gets me 15% ROi. And its for grinders. I find it hard to maintain that discipline a lot of times and deviate with exotics or win bets and down goes the ROI. I suppose if you are a whale, betting huge amounts would be more exciting.
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