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Greysman

Real return

What builds wealth is what's left after inflation, and taxes if they apply. A 7% return in a 3% inflation world is a 3.9% real return.

Tax applies to each year's return, as in a taxable account with income or frequent turnover. Use 0 for tax-deferred accounts.

The statement versus the reality

What your statement showsWhat it buys, in today's dollars