Retail investors picking stock underperform index by 15 per, Financial Management

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Retail investors picking stock underperform index by 15 per

Retail investors picking stock underperform index by 1.5% per year. Total returns on market index is 7.5%. Suppose I start with 1000$ today and invest for 50 years. Let x be real dollars I have at end of 50 years put in market. Let y be real dollars. Ignore taxes. What is X/Y?

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