Like it or not. We as ordinary retail investor have to measure our investment performance. Why??? Some retail investors may think that measuring investment performance using CAGR or XIRR or Rate of Return is for "boosting" investing ego. May be those people said this are not Economics students or they know too little on Econ 101. They don't really understand the future value of money! The future value of our money 20 to 30 years from now will  depend on our investment strategies taken and their rate of return achieved over the next 10 to 20 years. We need to know exactly how to get there. No measuring. How to know? Read? Fight your biggest worry: Inflation!!! Who are likely to be affected by inflation? The middle income is affected. The poor is badly affected. Unless, you are telling me that you are so rich that inflation is insignificant to you; then you ......