that means that any "investment" that does not CLEAR 5%, after tax and ss, is a loser. This 3% stuff isn't worth tying up and risking your money. If I can't make at least 15%, I keep the money in cash, or buy primers, scrap lead, primers for reloading, .22lr ammo, or silver or gold bullion coins with it. 15%, after tax, is just 10%, and after inflation, that's just 5%. Less is definitley not worth risking your money for, or even tying it up. Keep it handy for the real deals that come along, like great old cars at fantastic prices.