If you can manage a consistent 7% return then you should be running a hedge fund.

1. you personal savings are more volatile tolerant than big pension funds. SP500 annual avg growth is 10% so you can almost achieve that 7% if you deploy 50/50 split to sp500 index + 30 year t-bonds. 2. It is magnitude more easier to deploy 2 million dollars to market than 2 billion dollars.

If you can offer me a consistent, risk-free 7% return in perpetuity, I will give you all of my money today.