A recent piece from The Globe and Mail spells it out: most individual investors underperform the market not because they lack intelligence, but because they try to outsmart it. The data is clear:
- Over 20 years, the average U.S. retail investor earned just 2.6% per year vs. 7.8% for the S&P 500.
- In Canada, 89% of active stock funds failed to beat the market last year.
- Over the past decade, only 4.5% of Canadian stock funds outperformed the TSX.
The takeaway? Picking stocks, timing the market, or relying on active managers usually doesn’t work. But one thing does: keep investing consistently in a low-cost, diversified portfolio, regardless of headlines or market noise.
At Wealthy YOU, we help you do exactly that—with tools, sample portfolios, and institutional-grade strategies designed to keep you focused and in control.
