<prompt> Human: Its the Target Retirement fund VFIFX by Vanguard. Im only 23 right now but still a bit concerned. Shouldnt my investment be doing a little better than this? I know im in it for the longhaul, but everyone constantly talks about the magic of compound interest - I have yet to see that.  <response>: Compound interest takes time. You wont see the benefits after a few months. 