Hi, 7% for a year, that's a goal. and it's not easy goal. Form my perspective, only when you trying return solid you succeeded to do more. I'm working per value investments terms. I'm doing only several moves a year. I believe in history of the market and about economy is doing well at the long run. For author's books i think every investor should get familiar with are: Ben Graham, Peter Lynch, Jeremy Siegel and Philip Fisher and... (of course) I'm reading a lot about Warren Buffet. In my belief, the individual investor has the preventive of being individual, you just need to learn how to manage it.