No, it used to do better than that. Do you offer guarantees for the future (note that, for example, bonds will NOT be able to repeat the performance of the last 10-15 years)? There is also considerable volatility -- presumably you would like some assurance that when you'll need the money S&P isn't going to be in one of its troughs? And, as most everyone, you forgot about taxes.
It is possible we are on the verge of a Great Depression like event. But possible does not imply probable.
Regarding taxes, you simply buy a term insurance lasting until you are at least 59 1/2, and use a retirement account to save for your future cryogenic preservation on a tax-free basis (and I mean truly tax-free -- you save on a tax-deferred basis, and then when you are proclaimed legally dead the transfer to Alcor is made from your estate without taxes so long as your net worth is less than $5m).
But feel free to invest in a universal life policy instea...
I wrote an article about the process of signing up for cryo since I couldn't find any such accounts online. If you have questions about the sign-up process, just ask.
A few months ago, I signed up for Alcor's brain-only cryopreservation. The entire process took me 11 weeks from the day I started till the day I received my medical bracelet (the thing that’ll let paramedics know that your dead body should be handled by Alcor). I paid them $90 for the application fee. From now on, every year I’ll pay $530 for Alcor membership fees, and also pay $275 for my separately purchased life insurance.
http://specterdefied.blogspot.com/2015/04/how-to-sign-up-for-alcor-cryo.html