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.
Had you checked it in September of ‘21 you’d be extatic.
Markets are a bit shit right now. I’d leave it and wait until it bounces back.
The only thing that really matters is the value the day you sell.
If you NEED a certain amount for retirement, consider selling some if it when it reaches an acceptable level and place it into a high interest account with low risk.
If the rest goes up, well you’ll be fine but it sucks. If it goes down, you’re better of in retirement.
Yeah, I’m definitely not planning on taking it out. I still have a long way to go before retirement. I was more concerned about if I’m investing into the right funds and if my returns were anomalous for the given time period.