Banks in my country offer now 4-5% return which is somewhat save and seem a lot for some people. But we need to take inflation into consideration, it doesn't make sense to keep money in the savings account with inflation at 6-8%. Annual returns of 10-15% seem like a reasonable target for active trading, but this is not going to be save. There is going to be considerable risk involved that could lead to short term loses. Any well diversified stock portfolio achieved 10% return over a long enough period of time, with crypto currencies the same is your possible. The only problem is if you need the money each year for other things you might be in trouble. The worst thing that could happen in trading is being forced to sell at unfavourable prices. I think the first step should be to determine how much risk you are willing to accept and then build your portfolio accordingly.