又在不懂裝懂, 就跟上次爭論 irrevocable trust 一樣。

NAC total return in last 20 years (not considering any tax benefit or consequence) is 5.96% annual return for a total of 347% since Jan 2000

I would hardly characterize this as a "回報很差“。不用回我。Dont want to waste time like last time when this group discuss  irreovocable trust