[USER]

So I’m trying to figure out the growth in a 401K. I have a targeted retirement plan set to retire in 2038.

I have been contributing 7% since I started the account 12 years ago, so roughly with my income about 4500/year and company matches 4%.

I have approximately 60,000 (give or take a couple hundred based on market value) so where is the growth???

The only way I see it growing is my contributions/match…though it says it’s at about 8% annually.

When I do the math 60000/5000=12 years of contributions.

Majority is invested in the fidelity 500 index and the international index a little in mid cap and small cap.

So when does it actually start to grow???

[David]

Target date funds suck. I did that till I was 55 and found out was way behind.

Just invest in the sp 500 and forget about.

Averaged 10 percent over the last 40 years

[Steve]

Management fees usually eat away at your growth, and target date funds usually underperform.

[Mark]

TDF are trash and have bs fees. Move it to an s and or total Market equivalent

[Author]

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