初始投入：1000 × 10 = 10,000
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- 调整买入策略：假设初始投入 $1000，买入1000股 $1股，第一年涨25%至 $1.25，归盘市值：1250；随后下跌20%至 $1.00，卖出全部：1000 × 1.00 = 1000 < 1000? 亏损。
- 改造：假设第一年涨25%，价格成为 1.25美元，卖出，哪怕第二年下跌，设价格为新 cost basis，but motion为以市价为基。
- 题目：** 某投资者买入1000股，单价 $10，持有一年后股价分别为：第一年上涨25%至 $12.5，第二年下跌20%至 $10，卖出全部股票。若按平均成本计算，是否盈利？求年化收益率。
- 净额：0，**但考虑价格波动，计算折现率？
- 更优：用** geometric mean return
- 年终市价 = $10 × 1.25 × 0.8 = $10
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