apetnameddingbat t1_iy4bwut wrote on November 28, 2022 at 5:32 PM

Reply to comment by Lobster_osity in Started saving for retirement this year-- my "historical returns" YTD say -8.97%, why am I putting this money here instead of a high yield savings account? by Lobster_osity

This type of YTD loss is nowhere near as bad as it can get, and yes, single calendar-year losses of 10-20% are normal over the long haul.

I lost half my retirement accounts' value in 2008 and 2009, but I kept contributing. From 2010 onward, the bull market rewarded me handsomely for staying in. I'm still far, far ahead of a HYSA over the same time period.

Lobster_osity OP t1_iy4c604 wrote on November 28, 2022 at 5:34 PM

Wow, interesting to hear from someone who stuck through the 2008-9 crash. Thank you!