Not about greed. It’s about what actually constitutes successful investing. Your personal inflation rate is a specious, tangential discussion.To each his own. I'm not getting greedy to make a few more percentage points with investments that may lose value. And that inflation figure is an average across many different goods and services. If I don't buy those, my personal inflation rate might be 2 or 3 percent. And that doesn't even take into account the money you add to your savings during the year.
You could really use a financial advisor.