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.
What is your breakdown per fund? Look at the performance of each one.
Ideally you should simplify to a 3-fund with appropriate allocations or just a target date fund.
It’s split across a few accounts so it’s difficult to put a single, exact percentage on, but I’m at roughly 70% VTSAX, and then 10% each VTIAX, VGSLX, and VUSTX.
I’ve shied away from target date funds because I’ve wanted to have more control over the underlying allocations (potentially to my own detriment, I’ll accept responsibility for that).
That’s hard to comprehend, since vtsax is up about 100% since 2014. Did the other funds really perform that badly?