<prompt> Human: Im in a finance class and every single problem is like Jeff have 100,000 and put it in a fund that gives 8 annual interest. How much will he have in 5 years? Im reading these and asking myself, do these actually exist? Cause thats way easier than trying to pick and choose what stocks to put my money in. A flat annual percentage compound sounds much better to me. Any advice?  <response>: The US market since inception has returned basically 7 adjusted for inflation so any fund that tracks the US market will do that. No big tips or tricks needs. 