At least it has some years for the inevitable bounce left. It's getting there. Just kind of something someone trying to retire would have a panic over.

Okay... I even came with receipts on this one. Am I just annoying? What's with the downvote, even on ones where people are suggesting target date funds? The fund will bounce, it's just a huge dip for one that was supposed to be, according to professionals, safe for retirement use. So sure, I can see the downvote as disagreeing with sensationalism, but I was contesting the suggestion that no funds dropped in that time. If it's because I got spammy, sure... I assume most people don't reread the other comments after the first time they go through, but I can stop.

For reference, target date funds are still usually good, but total stock index is always better in a ten year period, so whether they are actually worth it is questionable.

Not sure. I'm guessing interest rate stuff will mess with anything with bond holdings, so that probably had stuff to do with it. Other than that.. I don't know if I can convey a big enough shrug in text form.

Good point.

Target date funds are also supposed to be set and forget, but this looks like the curve from Vanguards 2030 through at least 2040 target date funds.

The 2030 target fund is still down 8.8% since that date.

All target date funds through vanguard tanked that year unless you have 2060 or later as the target. 2030 lost 25% and hasn't yet recovered.

They likely were using a full retirement fund, like VTINX or Vanguard Target 2030 or something like that. All of them tanked in the end of 2021 up to target 2060. Even my shares in the Total Bond Index tanked then, and those are supposed to be as low risk as possible, literally.

The close to retirement ones suffered that year. The 2030 target lost 25% in less than a year recently and hasn't recovered. Ironically, the high risk ones have been less risky during COVID than the low risk ones.

Check the vanguard target retirement income fund (vtinx) and other similar funds. There was a dip in 2021 that absolutely destroyed a number of retirements, my patents included, despite being low risk options. Total bond index funds also suffered for some reason, and those are as low risk as you can get. Every other fund I have is doing great, but the ones that are supposed to be safe are not doing great.

Not necessarily the case, but if it's affecting your life so strongly, you might want to get checked by a medical professional.

Long COVID can destroy your life. Depression can destroy your life. Iron deficiency can ruin your life. A lot of things you might just think is just being tired may actually have a cause. Especially if simple fixes like "touch grass" style clichés do nothing for you.

It's not always the answer, but it's good to rule out in that case.

The term "frenching" is also a culinary term that means preparing food for even cooking and to make it visually appealing.