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Opinion
Barry Ritholtz

What Helps or Hurts Investment Returns? Here’s a Ranking

The key is knowing which ones are subject to human intervention. 

Much better to be up a creek with two paddles.

Much better to be up a creek with two paddles.

Photographer: John Greim/LightRocket

What drives the returns of any investment portfolio?

Specifically, from the moment someone starts saving for retirement, until the day they begin to take their required minimum distribution at age 70½, what are the factors that determine just how successful that portfolio is in terms of net, inflation-adjusted returns.