Assuming the OP has at least 20 years before retirement (not unreasonable, given his PhD student status), 10% is a common estimated yield over such a long term. Assuming you aren't so chicken that you only invest in securities. I'm not going to get into a debate about insured investments vs. making money.
Originally Posted by
adamkornfield
Where can I get a 10% yield on my Roth IRA? I could buy some junk bonds, but then you're principal isn't even remotely insured.