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 Here’s the truth about your investment returns. KGBR / Shutterstock.com

Your investment returns may not be as high as you think they are. That’s according to a recent report from research firm Morningstar, which found a gap between how much mutual funds and exchange-traded funds (ETFs) generate and how much investors actually see in their portfolios. Say you’re researching a new fund to buy. If you go to the fund’s information page — like Fidelity Investment’s…

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