The difference between .007 and .0055 is roughly 28.5%. If 28.5% = $3000, how much would that additional $3000 x 20% x 20 years worth?
When I invest I don't accept loss figuring I will make it up on another play. You never make it up.
And I don't accept just any gain. I have my goals, as do you.
I'd rather make 10% on 5 plays each month than wait a month or two for ?% from a company with a poor track record. Actually my plan is not unlike yours. I plan for 10%/month = 120%/year.
If I played 5 companies with this track record each month, well the odds are just terrible for any kind of consistent success, any. In the long run I would likely lose because even if i were in the black, I would be far less in the black than I would otherwise.
I consider myself an agressive investor, but not wreckless.
Don't take this as a knock. I am merely expressing myself, not defending myself or knocking you.
Have a good day and good success. I hope for your sakes this play pans out as you hope and plan.