<prompt> Human: Not sure how best to post this question but here goes: company 401 k, 100 match on 3 of income which is what I am currently putting in and when I had my sit down with her recently she noted that it was a decent return considering the rough year. Is that true? A quick Google search looks like an average of 7-9 return. Is she blowing smoke? Or am I mistaken.Edit: Amazing feedback and answers from many of you, thank you! one question is what does my portfolio look like. Let me know if its considered odd to share this type info.  <response>: a 1 return is actually a loss, given inflation. 