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EMH - Efficient market hypothesis

The efficient market hypothesis (EMH) is an investment theory that states it is impossible to "beat the market" because stock market efficiency causes existing share prices to always incorporate and reflect all relevant information.

Clone of Clone of Bob - Expanded

This is what I would imagine how most of the US's personal finances look: The individual has a retirement account set up or will be getting pensions upon retiring and has replaced his or her rent payment with a mortgage, which will go away after 15-30 years.


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