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UPS Retirement Topics
401K Performance
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<blockquote data-quote="olroadbeech" data-source="post: 2037611" data-attributes="member: 52145"><p>i'm with brownmonster here. a flat or down year is OK once in awhile since you are doing dollar cost averaging on purchases.</p><p></p><p>at the beginning of 2015 the dow was at about 18000. it ended at what ? 16 and change. so if you only lost 1 percent ( not counting contributions ) you actually did OK.</p><p></p><p>when the dow gets back to 18k ( if ) then you will actually make money even though it is back where it started in Jan 2015 because you bought more shares when the dow was down in the 15's and 16's</p><p></p><p>plus . remember , if you are maxing out your 401k you are saving around 3000-4000 in taxes depending on your tax bracket a year.</p></blockquote><p></p>
[QUOTE="olroadbeech, post: 2037611, member: 52145"] i'm with brownmonster here. a flat or down year is OK once in awhile since you are doing dollar cost averaging on purchases. at the beginning of 2015 the dow was at about 18000. it ended at what ? 16 and change. so if you only lost 1 percent ( not counting contributions ) you actually did OK. when the dow gets back to 18k ( if ) then you will actually make money even though it is back where it started in Jan 2015 because you bought more shares when the dow was down in the 15's and 16's plus . remember , if you are maxing out your 401k you are saving around 3000-4000 in taxes depending on your tax bracket a year. [/QUOTE]
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