Three Factors that affect your investment returns

The three factors that will affect your investment returns are:

  1. Cost
  2. Asset Allocation
  3. 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

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