The three factors that will affect your investment returns are:
- Asset Allocation
- Human Behaviour
Cost: If the product or fund costs you 5% per year to maintain, your returns are going to be diminished, unless you get over this figure.
Asset Allocation: If your money is sitting in cash, it will be eroded by inflation. If it is in equities, it has a good chance to grow.
Human Behaviour: Exiting the market at the bottom and getting in at the top are classic human behaviour mistakes. Stay in for the longest period you can