In financial planning, most people focus on returns. They want to know which mutual fund to buy, which stock can grow, or where they can earn the highest return. But before chasing returns, one important question must be asked: is...

When investors evaluate any investment, the first number they usually think of is the “profit”. What extra have we earned? Naturally, this feels exciting. But the important question is: does this number truly reflect how well your money has worked...