I took a finance class that was required to graduate. Over and over the teacher kept reinstating to put your money in a savings account because you can get 12%. I just laughed, not sure what kind of drugs he was on.
Stock market not savings Acct. Long run average of stock market is near 12%. Of course that includes many years that interest rates were 5 or 6%. Most people think the market will return 6 - 8% going forward given near zero interest rates, but of course there are no guarantees.