<prompt> Human: So 2014 was the first full year ive used an online financial adviser that utilizes low ER ETFs and i was grandfathered in with a flat 200year management fee. Overall portfolio ER is sub .4 a little higher than id like but they do all management for taxes, tax lose harvesting, re-balancing, etc. So i can live with it. Looks like we closed out the year with a 4 IRR, i calculated it by using excels XIRR function but im definitely no expert. It does seem a little lower than expected so i was interested in how others fared. I guess i should add that we are 35 with a very nice portfolio, with hope to retire by 50-55.  <response>: Fidelity counted my personal rate of return at 6.9 for the calendar year. Pretty decent even with the rocky start of 14. 