You don't need to buy into an investment plan to get the same types of returns. This can be achieved using a basket of s-reits as well. Good ones with strong sponsors are yielding at about 5% onwards, which, when reinvested can potentially give the amount you mentioned. It should not be something you buy into and forget over time though, as you will still need to monitor the portfolio to determine if the fundamentals are still present. If not you need to consider changing to a different counter to invest into. Frankly mutual funds as mentioned in article may not be the best option. Mutual funds carry fees, which will eat a big chunk of the profits, and there's no guarantee the fund will deliver at 5% or more over a period of 5 years, not to mention 40 years. Learn how to invest on your own. You'll potentially make better returns and it's a skill set you can use for life.