If the Dow is up so high, why are my IRA and 401k flatlining?

Question

Is the market really up or are these guys "cooking" the books again.

Answer 1

The dow is an index of only about 30 stocks. A better index is the S&P 500, also find out what type of investments are in your IRA and 401 they may not even be stock related.Its your money for heavens sake find out. http://charting-the-market.com/

Answer 2

You need to share more information. What is your age?What is your IRA and 401k invested in? When do you want to retire? Your investments should not be flatlining. It sounds more like you have an asset allocation issue. Maybe you can specify the funds you are holding in these investments. For your IRA if it is invested with a no load mutual fund provider (i.e.Vanguard, T. Rowe Price) you can allocate your IRA to various funds based on your time horizon. For your 401k, you need to see what your investment options are and do a little research on the past performance of the available funds. You can use yahoo finance if you have the ticker symbols. It is very important to understand what you are investing in. Feel free to share more information and maybe I can help or someone on Yahoo answers can provide you with assistance. Best of luck.

Answer 3

You need to understand what you are invested in. Is your IRA just invested in a money market or is it invested in a stock mutual fund? If your IRA is invested in a stock mutual fund, what kind of stocks? You can get a prospectus of the fund from the company that manages the mutual fund. The prospectus will give you detailed information on where your money is invested.

Your 401k could be a problem. Many companies are nonchalant about what they invest in. Heaven forbid you are 100% invested in stock of the company where you are employed. If so, RED FLAG. You can find out what you are invested in the 401k by asking the department that oversees it. Hopefully you are diversified with small cap, large cap, and foreign stock.

Answer 4

Of course there is no cooking the books. You either have bad,funds or too high expenses. Need to roll over IRA to schwab and invest for diversification. Should be doing very well.

Answer 5

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Answer 6

It depends on what your IRA and 401K are invested in. If they've be flat lately then they are probably not heavy with large cap domestic stocks. Take a look at your alocation and make sure you are investing in funds/stocks that are appropriate for your time frame and risk tolerance.

Answer 7

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Answer 8

Unless your accounts are correlated with the Dow its not going to reflect your account balances. The Dow is a very narrow index. See how your accounts compare to the S&P 500.

Answer 9

My roth IRA is up 6% in the past month and a half...

It depends on what you're investing in. Obviously you're not invested in an index fund (neither am I)

Answer 10

The market is really up, and I am glad I am not invested in the same thing you are because my accounts are growing rapidly--though it will cost you less to buy more.