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Protect Your Wealth from the Ravages of Inflation_5

Tôi sẽ giả sử bạn đã đi và đã làm bài tập ở nhà của bạn và đã trở lại với khủng khiếp MAR tỷ lệ ít hơn nhiều hơn 0,5, hoặc thậm chí ít hơn nhiều hơn không. Và CAGRs của bạn có lẽ không nơi nào gần các cuộc đàm phán "tiêu chuẩn" tất cả mọi người 10% về, và bạn có thể có các khoản giải ngân ít nhất 50%, nếu không tiến gần hơn đến 60%. | 74 l Step 3 Generate a Good Risk-Adjusted Return on Investments I m sure the numbers will be both interesting and eye-opening especially if you have never done any kind of risk-adjusted-return analysis before. Your last financial advisor told you to just invest and then forget about it right After all nobody can time the market and you re not going to get out of your investments whatever happens so why worry yourself with short-term results when you don t need the cash in the account for years and years in the future I ll assume you went off and did your homework and came back with terrible MAR ratios that were much less than 0.5 or even much less than zero. And your CAGRs are probably nowhere near the standard 10 everybody talks about and you most likely have drawdowns that are at least 50 if not closer to 60 . If this is not the case then you re already an investment guru or you did your number crunching wrong and you don t need to read the rest of this chapter. If the only result of reading this chapter is that you finally understand whether you re getting paid for the risk you are taking in your investments accounts then all your hard work understanding this information so far will have paid off big time. You may not be inclined to actively manage your investments yourself but if you stop doing what doesn t work and put that cash into your emergency fund or savings as described in the previous two chapters you ll be much better off than if you do nothing. Let s assume you now realize that you re getting a terrible result from your current investment management methods if you can call what you ve been doing before a method . Before we get into the details about managing your investments I need to make a couple of things very clear For most people it is not appropriate or rational to take uncontrolled risk in an investment account with little chance of a decent return especially with your retirement savings. There is no way that I or anyone can show you how to .