<prompt> Human: I started an account with vanguard target date type back in February, just put in the initial 1K, and checked a few days ago, it only went up about 45. Is this normal? At this rate, it doesnt seem like itll be worth much by the time I retire currently 24yrs old.Note: Im gonna start contributing each month now, I wasnt before. Maybe thatll improve things?  <response>: You got a return of 4.5 over three months. Thatll be around 18 for a year.Heres what will happen to your money if you keep getting that rate of return:After 1 year: 1,000 1.18 1,180After 2 years: 1,000 1.182 1,392After 3 years: 1,000 1.183 1,643After 4 years: 1,000 1.184 1,939OK, so it took about four years for your money to double. Now you have twice as much money, so youll have twice as much again in an additional four years. That means if you kept up the same rate of return, youd have this progression, roughly:Age 28: 2,000Age 32: 4,000Age 36: 8,000Age 40: 16,000Age 44: 32,000Age 48: 64,000Age 52: 128,000Age 56: 256,000Age 60: 512,000Age 64: 1,024,000Congratulations, youre a millionaire!NOTE: You wont actually become a millionaire just from your 1k investment, because 4.5 in 3 months is way higher of a return than you can expect to get typically. Im just trying to point out that your investment is doing fine. You just have to be patient. : 