11% a year is a good return, but the risks involved in investing in a site like JD are absolutely huge.

Being realistic the stock market should return 7%, maybe more on average, and is an incredibly safe investment in comparison. Plus any companies you invest with would insure your money up to a certain amount. If there's a fire at doog's place, or something happens to doog, or doog decides he's had enough... then we're all screwed.

(like I said, personally I trust him, but after what has happened at other Dice sites people should be wary)