How likely is it that S&P 500, NVDA, and AMD return 10+% a year in the current economic environment? Impact of interest rates.

Mortgage interest rates are so high for some people that they need to make 10+% profit in stocks a year to justify holding stocks instead of paying off the debt. That means less than 10% profit is a loss for those people. The question is how likely 10% or higher return is.

This is based on my personal situation. Holding NVDA and AMD.