Quote from: Evanston45 on December 01, 2017, 10:29:32 PM

When I was telling my wife about cryptocurrency and how I think its a good investment, she asked me an interesting question. What percent return should one expect in a year? Lets say one decides to put $10,000 in...if it were the stock market, and that person is diversified, it would be reasonable to assume a 6-8 percent return for the average investor on an average year. I realize its hard to determine what "well diversified" means in crypto, but lets say 75% mixed with ETH, LTC, BTC and the other 25% in a mix of top 10 (NEO, Ripple etc). Clearly 2017 saw tremendous returns on these coins, but its not realistic to assume 2018 will also bring over 1000% returns like this year. I know there isn't much historical data to pull from, but just wondering what you guys think is a reasonable expectation (not to the moon as some say!)
So if one put $10,000 in on January 1 2018 in my model of diversification (i.e. someone new to the game who isn't going to buy ICO's and speculative coins), what do you see their balance being December 31, 2018?
Looking forward to hear everyones thoughts!

In terms of sheer portfolio growth - no one can predict it or even give you the vaguest numerical estimate. Do some research on the technology behind some of these coins and find one that you just really believe in (they say invest in what you know for a reason.) For example: I personally think ETH is a disruptor and has crazy potential due to it's unique positioning.

Mining, I can tell you that I'm getting on average 2.5-3.2% Monthly ROI (after power, cooling, depreciation of hardware, tax and etc...factored in) here in Canada. BUT, with ETH for example, you will need at-least $200K+ to make it a viable income, it will require quite a lot of time at that point as well so be prepared. But, at that monetary scale, it's a huge risk for ETH specifically as having a 30% (CCA quoted) depreciation rate gives you a 3 year financial lifespan per rig to squeeze out the 90%+ ROI and Casper is due in late 2018 and who knows if we will have a viable mining alternative besides UBQ because PoS is far more beneficial for most coins in terms of technological advance. Of course, you can also foot the bill for Power (+ longterm liability for depreciation of equipment) and simply amass the coins, let portfolio grow in value and then participate in PoS (in respect to ETH of course.) I'm not too sure what the rates on BTC are like with equipment and all else, so I'll let someone else chime in there.

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