HI:“Meeting return expectations is always a challenge”
That's it!!!
I've been in the markets since 19(now 66)(longs,shorts,PE).
A friend said he had a few bucks in his child's RESP but not enough for falls tuition and did I have some stock-get- rich advice for him?  
First I said make sure that kid has a job to participate fully in their education bill second go to the track and put 1 K on each of the 9 ponies running.
One has to win!!! 
I had a Mill by 40 with a 30/70 risky to safe(div paying) ratio.