Which of the following statement is incorrect about "return gap" or "investor gap"? O This gap exists because investors on average tend to move in and out of investments and often at the wrong time-such as selling when the market has already hit a bottom and buying back in when the market is at the top. O A mutual fund's stated return will reflect the average return of its stock or bond holdings over a period, assuming an investor puts in a lump sum of money and leaves it alone. The return gap is usually bigger in up years comparing to down years. Market timing is almost always a loser, especially a loser in high-volatility years. This gap captures the difference between the average return for a mutual fund and what an average investor in that fund actually earns