<prompt> Human: Right now my 401k is running a YTD return of 7.3 according to my online statement. Roughly speaking we are about 12 through the year, so this mean Im on track to hit around 14 by year end? Also, are there certain benchmarks through out the year you should be concerned with?Thanks for the input.  <response>: It doesnt matter what your 401k return is at this point in the year, or at the end of the year. What matters is the return it gets compared to the market as a whole. Would 1 be an acceptable gain for a year? If that year was 2008, then you should be ecstatic. If the year is 2009, then you should be pissed. Compare it to the SP500 if you really want to measure anything. 