My retirement fund that I just started was worth $15k in December of 2021. Then, May of 2022, our area was hit really hard. My retirement plan went down to $7k. Today, it’s worth $11k. I lost $4k on my retirement plan. It’s invested in total market funds, some tech, some big cap companies, and healthcare. But every sector has been ravaged by the stock market changes.
Are you not adding to it steadily?
Average index funds over the long term mathematically prove you wrong. Short term anecdotes don’t disprove 50-70 years of proof.