<prompt> Human: Just created an account on Mint. I was able to link my company 401k, Roth IRA through Vanguard, and non-tax advantaged account thats also through Vanguard. With everything aggregated, it looks like Im just about breaking even, while the SP is much higher. Im onboard with long-term investing, but Im afraid Im doing something wrong from the get-go.Screenshot of the merged accounts vs SPI scrubbed the actual values, but included the breakdown of my account. Quick Note- The largest Vanguard Target Retirement fund is my non-tax advantaged fund. The second is my IRA. Everything else comes from my company 401k. With my company 401k, I aimed for a mix of 90 stocks. I believe the target funds are at that amount currently as well. Have I picked wrong or should I just sit tight? Thanks!  <response>: Im just a knucklehead investor, but it looks to me that the lows are higher and the highs are lower than the SP 500. I think thats the effect of diversification, where youre insulated against drops but also against steep rises. The result is a steady but less dramatic rise over a long time period. 