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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Returns are evaluated against a benchmark.  If a large-cap growth and value fund, the relevant index might be something like the S&P 500.

It's more complicated than that, though, because you have to also consider volatility (risk).  Sometimes funds with outsize returns achieve those by taking on more risk.  Some investors are ok with that, others are oblivious.

[b]Also be sure to compare returns after expenses.  Vanguard funds have extremely low expenses compared to most others, which helps improve total return.  See https://www.investor.gov/introduction-investing/investing-basics/glossary/mutual-fund-fees-and-expenses[/b]

[/quote]

yes, that part I understand.  403b plans unfortunately are lousy with mostly high fee options, and Equitable's offerings are the worst offenders (charging something like 2% I think) which is why my colleague wants to change.

[b]But I was specifically trying to put her "advisor's" comment into context for her. I don't think 21% growth this year is anything much to brag about, since I think just an index fund would have returned more than that over the past year.[/b][/quote]

So you don't even understand the most basic of basics regarding the stock market yet begrudge financial advisors' earning a living by helping others invest and navigate this field?  Wow, the anti-financial-advisor propaganda is really working.  I'm not a financial advisor and have no stake in this whatsoever - and I actually DIY my investing because I do know about the subject - but I'm constantly amazed at the irrational hate that financial advisors receive.[/quote]

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