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With due respect, it appears you still are not understanding the concept here. Its not about being optimistic here. Also, it was a pretty random example but was sufficient to prove the point. It only needs to prove that after tax returns are different and lower from pre-tax returns. Some could be as low as 20-40% depending on how much income is short-term capital gain, and also obviously the investor's marginal income tax.

I cannot believe you are challenging the concept that after-tax returns are lower than pre-tax returns. Anyways, you are free to draw your conclusions.
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