<prompt> Human: Ive had a Wealthfront Traditional and Roth IRA account for about 6 months now. In that time, I think Ive only seen a positive return on my portfolio once or twice. Has anyone else had a similar experience? Additional Info - I have about 15k combined across both the traditional and Roth IRA accounts. I have a risk rating of 8.5, which is on the higher end. Should I move my money elsewhere? I hate thinking that I would be getting better returns in a savings account.  <response>: Generally speaking, your time horizon is too low for investing.It sounds like you expect a constant, gradual upward trend. In real life, a line tracking your returns in stock-heavy investments is going to be a series of jagged spikes up and down with troughs, valleys, and occasional peaks.If you havent had much in the way of returns, thats because there havent been much this year. Realistically, the market is at about the same value now it was in mid-December 6 months agoSure, you could ditch Wealthfront and DIY if you like and want to handle it yourself, but Wealthfront does produce a perfectly adequate portfolio for long term holdings. The missing component is you waiting a few decades. 