Time.

That has been the best way to get returns.

I setup a 212 account when I was looking to buy our first house. I bought in small tiny chunks of industry where I was comfortable and knowledgeable in. Over the years I worked up a nice portfolio.

Anyway, long story short. I forgot about the account, we moved in, got a dog, had children.

And then I logged in for the first time in ages, and to my shock. My returns were at 110%. I've done nothing. It's bizarre and perplexing.