Dalio Says Average Investors Should Expect Returns of 3-4%

The video tutorial discusses personal investment strategies, emphasizing the importance of financial planning, risk management, and diversification. It advises against holding cash due to inflation and taxes, and suggests maintaining a diversified portfolio across asset classes and countries. The expected return on investments is discussed, considering current market conditions, with a focus on achieving reasonable returns without taking undue risks.

What is a reasonable target rate of return for an average person who does not want to take undue risks?

What challenges might an investor face regarding returns in relation to inflation and taxes?