I started a 401k through my current job and started putting money in a
mix of mutual funds in 2000.
I recently calculated the amount of money that I've put into it over
the years and the value of my 401k right now is actually a little less
than I've put into it. In other words, I haven't made a dime. 11
years and I haven't made a dime.

I was looking at the Dow, there were steady increases from 1980 to
1990, and from 1990 to 2000. But from the time I started putting
money in, it's been essentially flat. I remember reading books about
investing from the 90s saying you could probably get 10% interest a
year, but it looks like I missed the ride up. I know 10% isn't
considered realistic anymore, but still, 11 years and I haven't made a
dime. It's a little disturbing, and frankly, a little depressing,
considering how hard I've worked to earn that money to invest.

I have other options and accounts for retirement so I should be okay.
But all my projections for getting compound interest on my 401k have
come to squat, and it's a little frustrating.

- posted 8 years ago