Not really, of course, right now, but in 1981, the interest rate was 15.8%, imagine that.
Savings accounts died in 1971. Numerous investment opportunities exist for those who do their own research.
Sure, but there is no
guarantee. Typically, when talking about retirement funds, people don't talk about some active investment schemes.
Of course, you can get VTI and get 7% average (over long term), but to get 10-20% year in and out, those are more aggressive strategies (preferred's, selling calls, REITs, etc., etc.), which are NOT guaranteed.