...Are investors beating the market, or is the market beating them? The S &P 500 has moved up over 230% since the crash in 2009...But have investors done that well? eh, not so much! A statistical study by a major Wall Street Data Mine says that the average investor has made less than 5% annually since the crash, and less than 4% annually over the past 30 years—How can that be?? There are three key reasons you need to know about and they may surprise you.