The new Sherlock acts as a "personal Web shopper" by allowing users to search the contents of user-selected online stores simultaneously, and return results in a price-comparison table.

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When reviewing your annual statement, make sure to understand exactly how return is calculated and whether the advisor is using a valid benchmark comparison for the holdings in your portfolio.

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By comparison, the average diversified stock mutual fund manager, according to Lipper, had a total return of 12.37% last year.

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