5 year return of 401k

本帖于 2026-02-25 09:56:51 时间, 由普通用户 WhenToRetire 编辑

the first time to check my 401k balance, went through some bad years before understanding my own needs

1st 5Y -13% started aggreesive then through the  depression

2nd 5Y 30% only invested moderate percentage and frequent trading 

3rd 5Y 64% invested a little bit more than half of the total asset but  did not do much trading

4th 5Y 129% 100% in the market and very aggressive in a stock.

Total 751%

did not check how 401k return was calculated (weighted by time or asset or whatever)

felt fortunate that I lost or trailed SPY when i had the least amount of money.

所有跟帖: 

涨的不错,现在净值多少了? -baloney- 给 baloney 发送悄悄话 (0 bytes) () 02/25/2026 postreply 10:01:00

OMG,你的好奇心咋就这么强呢? -桃花源里人家- 给 桃花源里人家 发送悄悄话 桃花源里人家 的博客首页 (0 bytes) () 02/25/2026 postreply 10:19:42

是的,我好奇心强,脸皮厚,说话也比较直接,哈哈哈 -baloney- 给 baloney 发送悄悄话 (0 bytes) () 02/25/2026 postreply 10:31:00

LOL, 很多次了,这种情况 -HenryLi- 给 HenryLi 发送悄悄话 HenryLi 的博客首页 (0 bytes) () 02/25/2026 postreply 23:20:37

20年总回报似乎低于大盘平均回报值,年化12%,20年大盘累计回报大约是964%,你可能还包括了新增的每年投入资金 -trimtip- 给 trimtip 发送悄悄话 (0 bytes) () 02/25/2026 postreply 10:10:21

祝贺!不过这种靠持个股增值对一般投资没有啥可借鉴的 -than- 给 than 发送悄悄话 (0 bytes) () 02/25/2026 postreply 10:45:22

正是。每年投进去5,6万的,占比大的话,百分比会很高 -poconodog- 给 poconodog 发送悄悄话 poconodog 的博客首页 (0 bytes) () 02/25/2026 postreply 10:46:45

还可以!和党中央保持一致?5年一个计划?下个5年计划是多少? -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 02/25/2026 postreply 10:56:00

你都买了啥? 回报率挺不错. -CastlePines- 给 CastlePines 发送悄悄话 CastlePines 的博客首页 (0 bytes) () 02/25/2026 postreply 12:02:11

没讲清楚是什么回报率:复利年均增长率,时间加权收益率, 还是资金加权收益率? -未知- 给 未知 发送悄悄话 未知 的博客首页 (632 bytes) () 02/25/2026 postreply 13:05:50

这5年, 本金投进去多少? -螺丝螺帽- 给 螺丝螺帽 发送悄悄话 螺丝螺帽 的博客首页 (0 bytes) () 02/25/2026 postreply 13:25:47

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