Is anyone’s 401k doing well right now? I have 5% return YTD 😕

likefunny
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5% YTD is pretty good considering we’re only 1/4 into the year. The market of the last few years is not normal. Long term you’ll be lucky to average out to 7% per year including a mix of years that are +20% and years that are -20%. The best thing you can do is buy low cost index funds or ETFs and let them ride for the long haul

likesmart

Markets will definitely reach new highs. But you really think tech over the next 90 years will be more game-changing than the past 90? Indoor plumbing didn’t become the norm until like 60 years ago...

YTD am happy and up 7-9% on my retirement investments fund. oh and 240% on cryptos 🚀 🚀

likeuplifting
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You retiring this year, consulting senior analyst?

likefunny

yo this was funny af, thanks haha

funnylike

Lmao are you upset you are already up 5% in just 3 months?

likefunny

Apparently OP had a difficult time searching “average stock market return”

likefunny

Are you near retirement?

If not, stop worrying about your 401k

likesmart

It’s only April man. You’re spoiled by last year

likehelpful

I don’t have one because the market is crashing soon

funnylike

Yeah this is not fact based

wait hol up y’all tryna tell me 35% annualized is not what i should be expecting??????

likefunny

So I won’t be a guaranteed billionaire in 30 years without investing another dime?!?!?

likeuplifting

Am I the only one worried about comments of people getting the annualized interest wrong?

Like math 101?

funnylike

And yes, I know this is a Wendy’s. Sorry for the long winded reply. #majorbagalert

funny

This comment makes me worried about your financial future OP as you have unrealistic expectations. If you got 5% returns every 3 months you’d have historic returns.

The market is a roller coaster. Some years it’ll go way down. Some years it’ll go way up. Over time it’ll probably average 7-9% annual returns.

Just set it and forget it. You won’t need the money for decades so who cares what happens this month, this year, or even this decade.

like

So 20% annualized with sub-2% inflation is bad?

Mine's up ~10.5% but that's driven by an active fund. Global stock returns have been ~6.5% YTD and US is 7.5-8% so if you're the type to get concerned about short-term underperformance, might want to move into an index fund.

like

If you’re concerned about returns in the short-term, you’re going to have a fun time reading your 401k statement when another market correction hits. My advice, keep contributing during the ups and downs, it will all average out to around 7-8% over your time horizon - which is typical. Since you sound a bit newer to investing, you may want to also consider opening an IRA.

like

How? The Markets in US (assuming you are based here) are through the roof! Not to mention the US Government is going to release another big stimulus with the Infrastructure Plan!

Yeah, 5% YTD blows. It's like, boring.

I’ve got like 7.8% and pretty happy. But retirement is long term so everything averages out.

Mine is doing quite well

Lol at being mad at a return that annualizes to 20%

Pls don't tell me you work in quantitative projects

likesmartfunny

Who cares about YTD? If you are young, you are going to be a forced buyer for decades.

YTD for me across multiple accounts has been 6-8%.

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