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If your IRA chart looks like this how concerned are you?

Posted on 12/18/18 at 6:14 am
Posted by Tarps99
Lafourche Parish
Member since Apr 2017
7768 posts
Posted on 12/18/18 at 6:14 am


This is my IRA chart some others may be more horrific. It is the past 3 months.

It looks like the economic two step.

After each contribution it goes up for the moment, then it goes down as the month progresses.

Are you guys seeing a similar track record?

It may be time to switch to more stable funds.

I doubt I have seen any gains in the past 10 years.
Posted by HailToTheChiz
Back in Auburn
Member since Aug 2010
49198 posts
Posted on 12/18/18 at 6:23 am to
quote:

If your IRA chart looks like this how concerned are you?


Zero because I'm going to be working for another 30 years easy
Posted by TorchtheFlyingTiger
1st coast
Member since Jan 2008
2182 posts
Posted on 12/18/18 at 6:36 am to
I wouldn't be concerned about a three month period.

However, if you haven't seen gains in 10 years you're doing something wrong.
Posted by bayoubengals88
LA
Member since Sep 2007
19276 posts
Posted on 12/18/18 at 7:13 am to
quote:

I doubt I have seen any gains in the past 10 years.

You're lying.
Posted by tigeraddict
Baton Rouge
Member since Mar 2007
11888 posts
Posted on 12/18/18 at 7:27 am to
being in my early 40s i look at down tuns in the market as opportunities to by more shares with my contributions then during higher market periods. Unless you are close to retirement/in retirement, dips are not a bad thing

In 2008 i looked at it as being able to buy 2x as many shares as i was able to buy in 2007 with the same contribution. so 2008 became two years of contributions vs other years.
Posted by CoachChappy
Member since May 2013
32689 posts
Posted on 12/18/18 at 7:46 am to
My contributions kept me at even this year, but last year I murdered it.

quote:

It may be time to switch to more stable funds.

I doubt I have seen any gains in the past 10 years.



Who is managing your IRA?
Posted by cave canem
pullarius dominus
Member since Oct 2012
12186 posts
Posted on 12/18/18 at 8:04 am to
quote:

It may be time to switch to more stable funds.




Buy high sell low, works out every time.



quote:

I doubt I have seen any gains in the past 10 years.


Should be pretty easy to find that info





Posted by jimbeam
University of LSU
Member since Oct 2011
75703 posts
Posted on 12/18/18 at 8:28 am to
That’s going to look minuscule when you retire baw
Posted by notsince98
KC, MO
Member since Oct 2012
18179 posts
Posted on 12/18/18 at 10:01 am to
I get excited. Buying more for less is a great way to get to early retirement.
Posted by foshizzle
Washington DC metro
Member since Mar 2008
40599 posts
Posted on 12/18/18 at 11:36 am to
quote:

I doubt I have seen any gains in the past 10 years.


You must have been in all cash then. The past ten years has been an epic bull market for stocks unless you got it right before the crash.
Posted by castorinho
13623 posts
Member since Nov 2010
82099 posts
Posted on 12/18/18 at 2:47 pm to
I'm surprised no one has said that chart does not mean anything.

no labeling of axis, no title, and most importantly no scale. Wtf
Posted by gpburdell
ATL
Member since Jun 2015
1426 posts
Posted on 12/18/18 at 3:59 pm to
quote:

I doubt I have seen any gains in the past 10 years.


Since the US market crash in 2008-2009, the US stock market was up 500% at one point earlier this year.

My portfolio has grown 3x since 2009 and I'm just investing primarily in lost cost index funds/etfs.

If you haven't seen any gains in the last 10 years, you really need to figure out what you're doing.

UPDATE: I just saw your other post that it's being managed by a firm and they are using high cost funds. You need to transfer your assets somewhere else (Vanguard, Fidelity, etc) and take control.
This post was edited on 12/18/18 at 4:01 pm
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