Which of the following has the greatest impact on your annual return percentage?

Group of answer choices

1. the specific investments you choose (for example, choosing the LaBorde Small Cap Aggressive Growth Fund vs the Clooney Small Cap Aggressive Growth Fund)

2. your asset allocation (for example, choosing to allocate your money 10% in cash, 30% in bonds and 60% in stocks, vs some other allocation scheme)

3. how much money you have available to invest

4. your IQ level