What happened to the S&P from 1/2020 to now?
401k’s and IRA’s took a beating...
You have to be willing take some risks and down years to be an investor. We also will likely see reduced returns going forward if liberals continue to run the government. Of course markets did decent during the Obama years so one can never tell.
Best strategy is to invest 10-20% of your paycheck over decades and leave it alone.