<prompt> Human: The average stock market return is 7, but average inflation U.S. is 3.22. Does that mean the average stock market return is indirectly 3.78? Wouldnt investing in a blue-chip stock be only marginally better, if not worse than a bond or CD?  <response>: What? A CD will give you at most 2, so taking your 3.22 inflation that gives a net of -1.22. How is that better than 3.78? You make it sound like inflation only impacts the stock market, which doesnt make any sense. 