because the 12% return in stock is not possible for 懒人

Wall street boasts 10-12% average return, which is missleading.
Suppose you put in 100, year 1 you have 100% return, year 2 you have -50% return, The average return would be 25%. But your $100 becomes 200, then back to 100. Your actual return is 0%.
Dollar averaging works. Real return in stock market is at probably 7-8% over time. 
 

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• 参考8年前写的懒人投资法的补充说明 -BayFamily- ♂ (57 bytes) () 01/24/2014 postreply 23:14:01