That’s just it though, and your average investment profile hasn’t likely been getting 10% overall these past few years. Even if you stuck that cash in a high interest savings account, it’s been making maybe 4-5% this last little bit, which sounds good until you consider that inflation has been about the same amount, eroding the purchasing power of it. 10% return in your RRSP’s isn’t going to drive you to work in the morning either.