I ran across this article a day or two ago, and it's talking about exactly what you're asking. And its something that we've discussed here on the thread too. So I felt it warranted me sharing it.
Anyhow, this may also help answer your question(s) about %, total return, etc.
https://www.kiplinger.com/article/in...-strategy.html
It won't make ME rething my strategy because its the strategy that our good friend Greg here has taught me already.
PS Hey guys - long time to see. hope you all are doing well!