The key determinant of your Returns will be how your hard earned Monies have been allocated amongst various Asset Classes.

Within those classes, there could be a significant difference in the Returns depending upon the product or products you have invested your hard earned money in. Understanding how your Investments are going to move forward into the future will be an integral part of your overall Strategy.
"Investment is laying out money now, to get more money in future"
-Warren Buffett-