re: Let’s see those 2020 401k returns

Here is my issue, if your fund only made 14% in 2020, it was not a very aggressive fund and you were very conservative.

If you are young and have plenty of time between now and retirement, you should be very aggressive, especially in the mutual funds you choose.

Go to your companies 401k list of funds and pick the most aggressive and successful over the past 3 years and stick it and forget it.