Fodder01 t1_ja61r1s wrote on February 27, 2023 at 2:39 AM

Based on last years general results breaking even is a win, as your retirement accounts grow your return each year is influenced more by market changes than your and your employers contributions.

MacAttack0711 t1_ja64q4j wrote on February 27, 2023 at 3:03 AM

Thanks. I did some more digging and looks like I'm down 9.5% over the last year but have YTD returns of 4.5% roughly. Makes sense I suppose. I'm an immigrant and only in the last few years have I had the financial means to invest much of anything at all, so this is all relatively new to me and I am self taught, so there's things I don't always conceptualize in full. Thanks again.

Fodder01 t1_ja65gz9 wrote on February 27, 2023 at 3:09 AM

I have trouble handling market fluctuations as well, my contributions hardly offset losses in down years. If you aren’t close to retirement focus on the additional shares you purchase in a down market. If you are near retirement think of how to move your investments into more stable vehicles.