Your confusing historical returns with expected returns. There are types of investments only available to people or institutions with a lot of capital, but plenty of companies invest in them and you can buy a piece of them on the public stock market. Unfortunately, most of these investments carry a high risk of returning nothing. It's like noticing your friend went to Vegas and made 5,000$ in a few hours, the problem is he only did that by risking losses and your just happen to see the upside.
PS: Or as my grandfather who made plenty of money in the stock market said, "Don't invest in banks they can look like their doing well and then die at any time."
PS: Or as my grandfather who made plenty of money in the stock market said, "Don't invest in banks they can look like their doing well and then die at any time."