re: Let’s see those 2020 401k returns

It is nothing to sneeze at, but like you said, with a mutual fund, your really didn't have to do any work, the account managers did the work and you get to benefit from the average of a swath of companies.

Most of the people on here who are knocking it out of the park are doing so on a handful of individual stocks.....Lots of homework, lots of risk, but hopefully at the end of the day we have more wins than losses.