What is the difference between the net worth increase and, Financial Management

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What is the difference between the net worth increase and

1. If the risk premium on the stock market was 6.99 percent and the risk-free rate was 2.61 percent, what is the stock market return?

2. What is the difference between the net worth increase and the percentage return? I am not convinced that we exclude the interest amount in points A and B.

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