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.
It has honestly been a while since I rebalanced anything so I’m due for that, but I believe my thinking pre-covid was that I didn’t see many avenues where real estate would not continue to increase (you can’t make more land after all and it’s so damn difficult to build anything new in the US). Of course, no one was expecting a global pandemic.
That’s a good question though, I think the same underlying problems with lack of real estate exists over the long term so buying it now when the market is down seems like buying the dip, but interest rates are the wildcard here. If the fed wants to force high mortgage rates to slow down the market then it becomes “don’t fight the fed” and all that.