只要你琢磨得出3%的绝对保障，诺奖就向你招手，

你还想5%，还要彻底有保障？就是因为从来没有一种绝对安全的投资，可以让你 beat inflation, 所以才有了各种理财计划，因而产生了各种赔钱机会，包括 ponzi scheme。一定程度上，也保障了社会 mobility，富者无法恒富。

所有跟帖： 

• 3% is even less than inflation -forbiddenid- ♀ (0 bytes) () 04/01/2011 postreply 15:17:58

• Generally, people use 3% as normal inflation rate. -Warsteiner- ♂ (290 bytes) () 04/01/2011 postreply 15:23:45

• The inflation in the past few years was less than 2% in the US. -foxhole- ♀ (11 bytes) () 04/01/2011 postreply 17:19:16