How do I figure out the return?

Suppose you are 28 and married. You and your spouse file for income taxes jointly. You are in the 25% tax bracket. You are considering a few personal investment issues. If the financial market is informationally efficient, then you, as an investor, on average, should earn _____ in the long run.

1. only zero return
2. positive normal return and zero abnormal return
3. zero normal return and positive abnormal return
4. positive normal return and positive abnormal return