[Pog0]

1. I plan to invest aggressively and I have no trouble covering a losing year
2. Yes, as mentioned above
3. I have not given much thought to taxes, although they crossed my mind
4. I have, but she's unbelievably risk averse and is unwilling to take any gambles. She also doesn't want to lock her money away in GICs with long maturity dates. I've tried to convince her to just get her own funds to no avail, so I'm trying to offer a win win situation here.

Let's change the scenario slightly. If random person Z offered to loan you money that you are free to invest on your own. What's the highest rate you would be willing to give out (you have no reason to accept this offer unless you are confident that you stand to gain from the deal).