<prompt> Human: I am in my late 20s and chose a medium risk portfolio for my 401k. In looking at my personal performance from Jan1 to Jun30 Prudential Retirement, it says I am down 2.31. First I am confused since the YTD on all of my individual holdings are positive except for one of them which is only 8 of my holdings. So how am I down overall? Most of them are negative for prior month and prior quarter, but the YTD is good. Should I leave these alone since I am young and will have a heavily stock based portfolio that will fluctuate? Ive talked to people and everyone seems to be getting 10 return, and I am 12 percentage points worse than that. Edit: Adding in my funds per request:Fund - of holdings - Gross Expense RationGuaranteed Income Fund - 7 - 0.15PIMCO Total Return Fund Admin - 8 - 0.71T. Rowe Price Equity Income Fund - 17 - 0.68Nuveen Large Cap Growth Opp I - 17 - 1JHancock3 Disciplined Value Mid Cap l - 5 - 0.98T. Rowe Price Mid Cap Growth Fund - 5 - 1.05Small Cap ValueKennedy Capital Fund - 5 - 0.95Buffalo Small Cap - 5 - 1.01American Funds EuroPacific Growth Fund R4 - 31 - 0.85EDIT 2: Adding in what is available belowAVAILABLE:TickerFundTypeVIPSXVanguard Inflation Protected Securities Fund Fund Summary Fixed Income - Specialty VINIXVanguard Institutional Index Fund Fund Summary Large Cap Stock - Blend VEMSXVanguard Extended Market Index Signal Fund Summary Mid Cap Stock - Blend NBGEXNeuberger Berman Genesis Trust Fund Fund Summary Mid Cap Stock - Growth VTSNXVanguard Total Intl Stock Index Instl Fund Summary International Stock - Blend LZOEXLazard Emerging Markets Open R1 Fund Summary International Stock - Emerging Markets FARCXNuveen Real Estate Secs l Fund Summary Specialty - Real Estate  <response>: The only thing I can think of for why youre down overall is that since the account is fairly new, your contributions from the last couple of months are a large portion of the account, and the last couple of months have been negative.If thats the case, then you really should just ignore the short-term fluctuation, because its being grossly exaggerated while the total balance is low.Your ERs seem kind of high, but nowhere near high enough to explain that sort of performance.EDIT: While ERs cant explain the poor performance you saw, you happen to be invested in exactly the funds Id have avoided if it were me. If that were my 401k plan Id be essentially evenly split between VIPSX, VINIX, VEMSX, and VTSNX. You probably want a different allocation than that, but those are the 4 funds Id use to achieve any desired allocation. 