Still playing with Sun's 12% annualized return? Be more cautious, or you'll end up losing your principal and crying your heart out later. During the last bear market, FTX offered an 8% annualized return. When rumors started swirling about FTX, I specifically consulted an industry expert with high awareness and insider info. He swore up and down that SBF had plenty of ways to keep it from collapsing. But in the end, it still collapsed.