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<blockquote data-quote="Dracula" data-source="post: 3729849" data-attributes="member: 42691"><a href="https://www.morningstar.com/articles/283348/what-will-it-take-to-earn-your-money-back.html" target="_blank">What Will It Take to Earn Your Money Back?</a>You didn&#039;t lose any cash, no. But you definitely lost value, which in future terms translates into cash. Your examples are very small. And your examples demonstrate what my friend was saying. If you took a 50% loss of 6K, it would still take a 100% gain just to get back to your starting point. And while many of us have done well since the downturn, I think you would be extremely hard-pressed to find anyone who had gains of 100%.The biggest 5 year return I have in my 401k is the S&amp;P 500, which has a return of 14.5%, a far cry from 100%. Hell, I don&#039;t have to show you guys, you can check Prudential for yourselves. But a quick Google search will show you that the worst 15 year period ever for the S&amp;P 500 ended in August 2015, and was a net gain of 3.7%. I&#039;m no math genius, but 3.7% over 15 years is a major negative return. A seriously long way from a 100% return.</blockquote>

[QUOTE="Dracula, post: 3729849, member: 42691"] [URL="https://www.morningstar.com/articles/283348/what-will-it-take-to-earn-your-money-back.html"]What Will It Take to Earn Your Money Back?[/URL] You didn't lose any cash, no. But you definitely lost value, which in future terms translates into cash. Your examples are very small. And your examples demonstrate what my friend was saying. If you took a 50% loss of 6K, it would still take a 100% gain just to get back to your starting point. And while many of us have done well since the downturn, I think you would be extremely hard-pressed to find anyone who had gains of 100%. The biggest 5 year return I have in my 401k is the S&P 500, which has a return of 14.5%, a far cry from 100%. Hell, I don't have to show you guys, you can check Prudential for yourselves. But a quick Google search will show you that the worst 15 year period ever for the S&P 500 ended in August 2015, and was a net gain of 3.7%. I'm no math genius, but 3.7% over 15 years is a major negative return. A seriously long way from a 100% return. [/QUOTE]

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