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.

  • stifle867@programming.devEnglish
    2·
    9 months ago

    S&P500 in November 2014 was approx. $2045 S&P500 as of today is $4308

    I can see why after a decade, the results of your investment strategy are disheartening. As others have pointed out, your returns up until recently were much larger, so the time you took this screenshot plays an important role. However, to be negative from where you started ($0) doesn’t make sense compared to the broader market.