Sharpe states that people who invest in index funds are very likely to accumulate more money than those who buy higher cost actively-managed funds.

FORBES: A Sharpe Assault on Mutual Fund Fees

The higher this ratio is, the more invested hedge fund managers are, as they typically buy puts on these broad-based exchange-traded funds to hedge long equity positions as they accumulate shares.

FORBES: Four Short-Term Risks To The Bullish Case

With a deferred annuity, you pay now and hope to accumulate assets through either a variable product that invests in equity mutual funds or a fixed product that offers bond-like returns.

FORBES: Personal Finance