Stay with the turtle Telstra, page-27

If you know anything about how an IRR is calculated, you'd understand that the calculation takes all costs and all income, including the current salvage value of the stock, and returns an equivalent single compound interest rate that would be applied to your original investment to generate the return you have. Any one year may not have that "averaged" return (as might not be the case for this past year), but that's counteracted by years in which the return is much higher or lower.

For true blue chip companies, the LT return is invariably good. That's not to say they don't have a bad year. I know traders view these companies with contempt if they don't have a good year. With blue chips, time in the market is more important than timing the market. For the core holding in my SMSF, I'll take a turtle with low risk anytime over a hare with very high risk. That is not the case with my "playing around money" which is applied to more speculative companies. Bagging a company that doesn't align to your objectives is your problem, not the company's.

Before yielding to the rudeness that is so obviously inherent in your character, perhaps you should take a course in Economics 101 and try to understand?