<prompt> Human: Not positive this is the right place but I know we talk about index funds here. I transferred my IRA into vanguard 2060 rrtirment date in early 2015. Since then I have a 1.6 return while my 401k is up 16. I thought these should be pretty similar as my 401k is mostly blue chips. Any help understanding why the vanguard has such a low return would be appreciated. Thank you.  <response>: The SP 500 has gone up 10 since January 2015. Thats total, not annualized. VTTSX is up about 5 since January 26, 2015. However, you easily might have made only 1.6, or even lost money, depending on exactly when you bought into the fund.Check out this link Click on 5Y. Notice how bumpy that chart is for the last 2 years, and how it ends in pretty much the same place it was March last year.Its not a trip to Grandmothers house. More like a trip to the north pole. Bumpy, chaotic, risky.As for your 401K, I dont know what thats invested in. 