Jim and Margaret are back for another podcast on the American Dream! This episode centers around something was hinted at last episode: returns on investment and in particular, the meager returns of the average equity investor. Margaret demystifies the reasons why ROI for equity investors is only about 3.5%-4.0%, the turnover rate that accompanies internal stock trading, dissimilar correlation, the three-factor model, and more. Most of all, Jim and Margaret want to remind you that your American Dream is achievable! And as Margaret likes to say, it’s a global dream for everyone, that education, training, and the right investing practices can unlock. Highlights 00:28 - Margaret clarifies the shocking 3-4% return on investment for the average equity investor (for stock mutual funds) 02:30 - Information on the ‘turnover rate’ that some investors and advisors are not even aware of 05:39 - A brief overview of diversification and its historical context 06:26 - Margaret discusses the three-factor model Key Links • Veritas Financial Services, LLC Website: http://veritasinvesting.com (http://veritasinvesting.com) • For questions, educational resources, or to sign up for the next American Dream Experience event, call the Veritas Office: (920) 893-5262 You can also get in touch with Margie directly via email at margaret.wittkopp@veritasinvesting.com