“On average, 90 percent of the variability of returns and 100 percent of the absolute level of return is explained by asset allocation.” LevelsReturnPercentAbsolutesInvestingAverageAssetsAllocationVariabilityAsset Allocation Author:Roger G. Ibbotson
“We can extrapolate from the study that for the long term individual investor who maintains a consistent asset allocation and leans toward index funds, asset allocation determines about 100% of performance.” LongIndividualTermStudyPerformancesInvestingDetermineLong TermConsistentFundAssetsInvestorsAllocationIndex FundsAsset Allocation Author:Roger G. Ibbotson
“That what's most relevant to you is whether and how you're doing something different from what everybody else is doing.” ThinkingDifferentIndependentInvestingRelevantIndependent Thinking Author:Roger G. Ibbotson
