Compound that 13.4% over ten years and there's just an enormous gap between those mutual fund numbers that are in the prospectus and in the advertisement--the time-weighted returns and the dollar-weighted returns that talk about the actual experience of the investment community.

按13.4%复利算一下10年期的结果,你会发现在招股说明书和广告里给出的,用来反映投资机构实际业绩水平的,时间加权回报率,和货币加权回报率数字之间,有着巨大的差异

耶鲁公开课 - 金融市场课程节选

In almost every money market fund prospectus, pension fund investment policy statement and bond mutual fund prospectus in the US they usually treat US Treasurys differently from other bonds.

FORBES: Panic Selling Of US Treasurys Unlikely

Nobody should buy a mutual fund without reading a prospectus (which are full-on mouseprint, funny enough).

FORBES: Unavoidable Branding

When you invest in a mutual fund, you get a prospectus.

FORBES: 401(k)s: Far More Dangerous Than IRAs (March 2, 2001)