This answer is from My personal rate of return is -4.18%, is that bad?
Bichiluz,
The short answer is that a return of -4.18% may be good or bad, because it depends on what you're measuring it against.
Compared to some stock indices that have declined by 30%-50% over the past year, "only" -4.18% looks quite good. But compared to the returns on cash, which are positive, it looks "bad" because you lost money.
Not knowing what you're invested in, it is difficult to assess whether your return is good, bad, or "normal" because we can't be certain what you're comparing it to.
Generally speaking, though, a lot of people have lost a lot more money than this in various investments over the past year or so, which means it's probably not too bad to say the least.
I would encourage you to get a handle on what it is that you're actually invested in that produced this return, and see if you can find an appropriate index or "benchmark" to compare it to for performance. You may find that your 401(k) provider has some helpful information on the performance of this fund compared to appropriate benchmarks.
I hope that helps a little!


