I’ve been in the market with my retirement accounts for almost a decade now and I currently have a 0% return on them (actually down $5k). It would have been better to let them sit in an HYSA for the past decade.

My only funds are indicies and treasuries. VTSAX, VTIAX, VGSLX, and VUSTX specifically.

Am I doing something wrong here? I know the saying “time in the market is better than timing the market” but it’s still disheartening to see a 0% return after a decade of investing huge amounts of personal income in hopes of having a solid retirement fund.

    • Tak@lemmy.mlEnglish
      31·
      1 year ago

      Just gotta wait for the quantitative easing to engage again

        • Tak@lemmy.mlEnglish
          7·
          1 year ago

          https://en.wikipedia.org/wiki/Quantitative_easing

          Quantitative easing (QE) is a monetary policy action where a central bank purchases predetermined amounts of government bonds or other financial assets in order to stimulate economic activity.[1] Quantitative easing is a novel form of monetary policy that came into wide application after the financial crisis of 2007‍–‍2008.[2][3] It is used to mitigate an economic recession when inflation is very low or negative, making standard monetary policy ineffective.

          I hope that helps.