<prompt> Human: Hi!Im pretty new to investing. I was wondering if I can get some of your thoughts on investing with Vanguard. My current employer does a 6 401k match so Ive been maxing out my 401k contribution. Ive read a lot of posts on here that talk about retirement investments with Vanguard so I thought I was in good hands when it comes to my retirement investments. I also understand the dont put all my eggs in one basket concept so I located my funds accordingly, Vanguard gave me a good indicator on my investment fund choices. However, I noticed that for the past 2 years Ive started my account 3-ish years ago, Vanguard has been performing exceptionally poorly. Their rate of return has been around -10 for both years and it is very concerning. On the other hand, my other stock picks through Merill Edge have a consistent 23 return for both years.Has anyone else experienced significant loss in their 401k account through Vanguard? What did you guys do to address this? Should I be worried about this? Let me know your thoughts! Any advicesuggestion would be greatly appreciated!  <response>: Vanguard didnt perform badly, your funs choices did. Vanguard just holds your money, you choose where it goes. If you chose badly, thats on you... 