[peterwoerner]

If you had a million you could also get a loan with interest less than "risk free" assets. E.g. The stock market makes 7-10% but you can get a loan for 1-3%. So 1.5x your returns then become 12-16%.

Perhaps you can invest in lower risk dividend stocks which will pay out your interest + a little and 3x. If we assume those stocks only make 4% but also pay out 3% then you are looking at 16% returns. Moreover when those dividends get raised you are doing even better.

Leverage can go a long way if used well.