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What does passive investing look like at the end of the day? What does active investing cost the investor? Mark Hebner explains the difference between a time weighted return and a dollar weighted return and shows the annualized returns before and after inflation of an average equity fund investor vs. a Treasury Note Index, the S&P 500 Index and the IFA Index Portfolio 100. He also explains how the emotions of investing can contribute to an investor’s returns and how it behooves you to be a passive investor.