My retirement fund that I just started was worth $15k in December of 2021. Then, May of 2022, our area was hit really hard. My retirement plan went down to $7k. Today, it’s worth $11k. I lost $4k on my retirement plan. It’s invested in total market funds, some tech, some big cap companies, and healthcare. But every sector has been ravaged by the stock market changes.
Any tools you recommend? Also, how sure are you that the cost savings actually make it worth the effort? My gross expense ratio is 0.08% (I think I’m looking at the right number?)