My tiny retirement investment plan is always losing money.

[Zing Zing Zingbah]

I worked as a teacher for about seven months. I picked the investment option, because I wasn't planning on sticking around for 6 years to be vested in the pension plan. I have very little money, like $1500 maybe, and it has always been losing money ever since the account opened up. Initially, my employer retirement contributions were placed in this account, but no more money is being added since I am no longer working. The interest on the account has been negative since I got it.

My husband has a similar account, and he has always had positive interest accumulating on his account. He picked aggressive investment plan initially, mine was set to a moderate investment plan for some reason. I just changed my plan to aggressive because the moderate plan was constantly losing money for the past year. My husband's plan just lost money for the first time this month, which means mine is definitely losing money again.

Anyone else been losing money on their retirement plans?

[Worst Username Ever]

1. Dollar cost averaging

You will lose money as long as the market continues to sink. It is important that you make regular contributions to the plan, ALWAYS. The smaller the shares get, the more shares you get for your money. So when things finally do begin to recover, your plan will increase again very quickly.

[dave502d]

2. My son's was like that,they said he was in high risk plan.

[Zing Zing Zingbah]

4. My plan wasn't a high risk plan, and it still lost money.

I switched it to a high risk plan a few months ago because my husband's account has been doing relatively well on a high risk plan.

[ProgressiveDave]

3. fees fees and more fees...

I had a retirement account with a local union that I was actually never in(long story)...the statements started going down by 20 bucks per quarter, mostly due to administrative fees. since no more was going in, I cashed it all out, rather than see it gradually devoured thru fees.