> (And take what the jargon calls "total returns".)
>
> Laurent


Good point Laurent!

Everybody is confused about this "return" thing. There is "return",
there is "total return" and there is "rate of return". I tell my
students this: Forget about "total return," there is no such thing.
There is "return" and there is "rate of return", and "rate of return"
is "return" minus 1, when return is measured in decimals. Yet, most
people think about "rate of return" when they say "return". 5% "rate
of return" is making money whereas 5% "return" is losing money: 5%
"return" means you lost 95 dollars from your initial investment of 100
dollars.

When most people are confused about the jargon, that is, language, how
are we going to reach an agreement on anything?

Any help you can offer Doyle?

Best,
Sabri
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