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Message: <blockquote data-quote="Bfishn" data-source="post: 337565" data-attributes="member: 2006"><p>Those of you that had lower returns last year likely are closer to retirement or just have more conservative portfolios in general. For younger people in their 20's and 30's with a mostly stock portfolio a 15-20% gain for 2021 was very doable without any active management. 401k isn't something that should be actively managed anyways, set it and forget it and occasionally rebalance if things get too lopsided toward one asset class. Just make sure you are always contributing enough for company match and be aware of expense ratios when picking funds. Generally look for low cost ETF's from places like Vanguard and Fidelity.</p></blockquote><p></p>

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