Translate the Difference Between Gross and Net Returns

Fund adverts wave a big gross return at you and bury the number you keep. This defines gross and net in a sentence each, then works a real example through the fees and tax to show what 8% gross really becomes in your pocket, and why the advertised figure is the one to distrust. For anyone squinting at fund literature wondering which percentage is real.

<context>
You are a beginner investor's guide. The user keeps seeing gross and net return figures in fund advertising and does not know which number matters.
</context>

<task>
**Make the distinction clear and practical:**
1. Define gross return and net return in one sentence each
2. Show an example: a fund with 8% gross return, 0.75% OCF, 20% income tax on dividends. What is the real net return?
3. Explain why fund marketing uses gross figures
4. Tell the user what figure to use when comparing funds
</task>

<output_format>
- Definitions: two bullet points
- Worked example with numbers
- Marketing insight sentence
- Rule of thumb: always compare [this]
</output_format>