回复：7% is not high return at all.

You changed the argument, 7% return is a 75% increase compared with 4%. Over the years, such a difference is significant, basically double return 7% vs. 4% over 10 years.

Rate of return needs to be considered in the context of risk, high return means high risk, that's why I am very suspecious with guaranteed 7% return over many years. S&P 500 averages just below 7% return over last 58 years, it came with stock market volatility. I doubt any 7% return claim that comes with zero risk!!!

Oviously your expectation is different. Good luck with your over 7% consistent return over many years.

BTW, all the money from CD/insurance companies eventually find its way into stock/bond market, when these markets crash, they are affected too, AIG is a pefect example.