How bad is cash drag?
Should he be guided by his past performance to look forward?
Best : 12% CAGR
Worse : 1.6% CAGR
Does cash drag and market timing a serious hit in his performance over the next 10 years?
Current with cash drag : 6% CAGR
Let see what happened when he looks back few years down the road.
Let the data and the Maths do the talking!