If you had invested 1/3 of your money in Vanguard’s Total Stock Market Index (VTSMX), 1/3 of your money in Vanguard’s Total International Stock Index (VGTSX), and 1/3 of your money in Inflation-Protected Securities (VIPSX), your $10,000 at the outset of the year would be worth about $9135. And that does not include periodic distributions, which would bump it up to $9400 or so. So something like a 6-9% loss, year to date. The S&P 500 is down about 10% year to date.
I’m just saying, all things considered this is the set-it-and-forget-it way to go. Like a moron, I’m holding some specific stocks, as well as some non-lazy funds. Incredibly, the Vanguard REIT fund is up 3.5% year-to-date. In such a blech home real estate market, it’s pretty interesting.