I've seen a decent recovery in my portfolio

[bjl584]

I looked at my accounts last night and I've recouped quite a bit of my losses from December's crash.
I hope no one out there panic sold...

[disneysteve]

Lots of people panic sold. There was one thread here about it. I held steady though, as I said in that thread, once prices bounced back I did make some changes and got rid of a fund I’ve been thinking about selling anyway and trimmed back on another.

[LivingAlmostLarge]

so did i. I'm not down a lot turns out. I am waiting for my roth deposits to clear the backdoor rollover

[Randomsaver]

Sadly ours do not allow backdoor.

[riverwed070707]

Was just about to pop on and see how people's portfolios were doing. I've had a decent bounce back this month. Without any contributions yet, I'm up 2% for Jan but over the last 12 months, my gains are less than my contributions...can't figure out if that's actually a negative ROI or still positive since my end is still higher than my start. My math brain isn't working. Does anyone have a calc for this or want to crunch the numbers for me? Seems like it shouldn't be that complicated but I do believe in the 10 years since I started my 401k this is the first time my end balance wasn't higher than my start + contributions.

Start: $147,134
End: $158,053
Contributions: $15,334

[srblanco7]

Was just about to pop on and see how people's portfolios were doing. I've had a decent bounce back this month. Without any contributions yet, I'm up 2% for Jan but over the last 12 months, my gains are less than my contributions...can't figure out if that's actually a negative ROI or still positive since my end is still higher than my start. My math brain isn't working. Does anyone have a calc for this or want to crunch the numbers for me? Seems like it shouldn't be that complicated but I do believe in the 10 years since I started my 401k this is the first time my end balance wasn't higher than my start + contributions.

Start: $147,134
End: $158,053
Contributions: $15,334

If you subtract your contributions from your End value, the result is $142,719. Comparing that value with the Start value you provided, indicates a negative ROI of approximately 3% exclusive of your contributions.

[riverwed070707]

If you subtract your contributions from your End value, the result is $142,719. Comparing that value with the Start value you provided, indicates a negative ROI of approximately 3% exclusive of your contributions.

That’s what I was thinking. Thanks. Did my 401k just do exceptionally poorly or is this a common trend this year? It’s company managed

[srblanco7]

That’s what I was thinking. Thanks. Did my 401k just do exceptionally poorly or is this a common trend this year? It’s company managed

I don't believe that your results would be uncommon for returns over the prior year (for funds invested in the stock market). Using the Vanguard Total Stock Market Index fund as a surrogate for comparison, that fund is down approximately 7% over the last year.

[JBinKC]

I added 7% allocation to stocks during the month of Dec but still far below what I call a normal level.

[Randomsaver]

Was just about to pop on and see how people's portfolios were doing. I've had a decent bounce back this month. Without any contributions yet, I'm up 2% for Jan but over the last 12 months, my gains are less than my contributions...can't figure out if that's actually a negative ROI or still positive since my end is still higher than my start. My math brain isn't working. Does anyone have a calc for this or want to crunch the numbers for me? Seems like it shouldn't be that complicated but I do believe in the 10 years since I started my 401k this is the first time my end balance wasn't higher than my start + contributions.

Start: $147,134
End: $158,053
Contributions: $15,334

You did very well considering last year's massacre.