I suspect only part of the 23% decline in these accounts is due to the financial performance of the investments, and a sizable part of the decline is the result of early withdrawals from the accounts due to hardship.
I am only keeping a fraction of my holdings in that one now since it is heavy in semiconductor chips, and I fear for Tawain with the clown show running things. I just hope we get a change in 2024, but I have totally lost faith in honest elections in our country.
That is entirely possible.