Hey everyone,I’m enrolled in Charles Schwab Digital Advisor Roth IRA and have been enrolled for almost 2 years with monthly contributions while maxing out yearly.
However, the IRA has performed at a -3.5% during this time. For comparison, SPY has only performed -0.25% (13 times BETTER) during the same timeframe.
Also, the advisor keeps about 1k in cash (6-7%) at all times which is super annoying as I can’t invest it and don’t need them to hold it as I already have cash on hand in my bank accounts.
Is it time to pull the plug and just set up auto contributions?
Submitted July 25, 2023 at 01:01AM by Classic_Site_1793 https://ift.tt/bPh5Zm4
