Sam has deposited $4,500 in his savings account at the beginning of each year. A risk-averse investor, during that period his conservative investment choices averaged a 4.65% annual return. Hugo made the same sized deposits in his own account at the beginning of each year, but he was more of a risk-seeker. Over the same 30 year period, due to his more aggressive investment choices Hugo averaged an investment return of 6.12%. How did Sam's account fare compared to Hugo's, in terms of future value? Did Sam make poor choices? Discuss.