16/10/2026
Most investors spend their energy on the wrong decision.
They obsess over which stock, which fund, which manager will outperform, while research going back to the 1980s (and confirmed again as recently as DALBAR’s 2026 investor behaviour report) points to something less exciting but far more consequential: the mix of asset classes an investor holds does more to shape long-term returns than any individual security ever will.
The cost of getting this backwards shows up in the data. In 2024 alone, the average equity investor trailed the S&P 500 by 848 basis points, largely from selling into weakness and buying back in after the recovery had already happened.
In our latest article, we look at what decades of research say about where returns actually come from, and why a disciplined, deliberately-built allocation tends to outperform reactive, conviction-driven decisions made under market pressure.
Read more by following the link in our bio.
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