长期年化10%的收益难不难？做对这几点，也许你也能实现！

Group 1 - The article emphasizes that achieving a 10% annual return is a significant challenge in the investment landscape, despite the perception that it is easily attainable [4][5]. - Historical data shows that Warren Buffett has achieved nearly a 20% annual return over half a century, while the S&P 500 index has delivered around 9%-10% annual returns over the past century, indicating that 10% is a high benchmark in modern financial history [5][6]. - Traditional financial products like bank deposits and government bonds typically yield annual returns of 2%-4%, which are significantly lower than the desired 10% [6]. Group 2 - The article discusses various asset classes, noting that stocks and equity funds are the only categories that theoretically can provide long-term returns of 10% [10][18]. - The CSI 300 Index, representing the A-share market, has achieved a total return of 586.68% since the end of 2004, translating to an annualized return of 9.91%, which is close to the 10% target [10]. Group 3 - Human psychology plays a crucial role in investment success, with common pitfalls including panic selling during market downturns and greed-driven buying during market highs, which hinder the ability to achieve consistent returns [11][12]. - Frequent trading often leads to negative returns after accounting for transaction costs and timing errors, as investors attempt to time the market [13]. Group 4 - The article suggests that for ordinary investors without insider information or deep financial analysis skills, achieving close to a 10% return is possible through diligent asset selection and a focus on equity assets [17][19]. - Index funds are recommended as a more accessible investment vehicle for most investors, as they offer transparency and a straightforward approach to market participation [19]. Group 5 - The article highlights the importance of investment behavior, including necessary diversification, adequate positioning, and long-term commitment, as essential factors for achieving compounding returns [21]. - Even with the right strategies, achieving long-term returns exceeding 10% still requires favorable market conditions and timing [23].