First of all, who takes until the age of 25 to graduate college? Second of all, who only gets a 5% return on their investment? The average annualized total return for the S&P 500 index over the past 90 years is 9.8 percent. My figures are based on 7.7%.
Now you're just flat out lying and making a complete ass of yourself.
The odds of investing in ONLY the winners on the S&P are astronomical. Call any investment company and ask for a guaranteed 5% annual return, and they'll laugh at you. Add to that the roller coaster average ride the last 20 years alone, and you're just flat out wrong. A -37% average return in 2008 caused many people to jump off bridges and put bullets through their own skulls. It ruined millions of people in a single year.
Anybody that offers you a near 10% annual return is a ponzi scheme.
What's more, the typical high school student is 18 when they graduate.
That puts them at getting a 4 year degree at 22 or 23 years of age.
That gets them a masters degree at 25 to 26.
You strike me as a 22 year old that never graduated from high school that's shooting his mouth off about things he literally knows absolutely nothing about.