净额：0，**但考虑价格波动，计算折现率？

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• 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。
• 初始投入：1000 × 10 = 10,000
• 更优：用** geometric mean return
• 年终市价 = $10 × 1.25 × 0.8 = $10
• \[ (1 + r)^1 = \frac{\text{终值}}{\text{初值}} = \frac{10}{10} = 1 \]

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