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How do top investors pull out 20% ROI?
Buffet is able to do many things the average investor cannot do.  For example: During the 2008 market crash Buffet purchased 5 Billion on Citi preferred stock (as somewhat of a bail out) that pays 5% Dividend. Then he also received warrants to buy another 700 million shares over the next 10 years where he can buy shares at 5% discount. So right off the bat he is up 5% anytime he buys some of those 700 million shares. http://dealbook.nytimes.com/2011/08/25/buffett-to-invest-5-billion-in-bank-of-america/?_php=true&_type=blogs&_r=0 This is just one of the Buffet deal makings. With his cash you can move markets.  He buys, people hear about it, they buy, his positions go up.  Put that aside he loans cash, gets interest, buys companies. It is more than just investing in the stock market.