Dr. Doug Yang
Investment Adviser

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Click on each question to see the answer.

1. What is the Average Investor's Long Term Investment Return Rate?

   Our robot friend ChatGPT answers:
   

2. How can an Investor Improve His/Her Investment Return?

   Our robot friend ChatGPT also has good answers:
   
   Other important strategies include:

   • Taking advantage of the tax code to improve net investment return
   • Asset allocation
   • Dollar cost averaging
   • Risk mitigation

   
   However, it is easier to say than do. The famed investor Benjamin Graham said: "The investor's chief problem, and even his worst enemy, is likely to be himself".

3. Have You Heard of This Investment Study?

   Our robot friend ChatGPT is very knowledgeable:
   
   Another study of the same authors analyzed the financial outcomes of investors who worked with financial advisors versus those who did not over a 15-year period. This study found that investors who received financial advice had, on average, 3.9 times more assets after 15 years than those who did not receive advice.
   
   They introduced the concept of "gamma," to refer to the additional value that financial advisors can provide to their clients beyond just investment selection and asset allocation. Gamma includes services such as tax planning, retirement planning, and behavioral coaching, which can have a significant impact on investors' long-term financial outcomes.

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