# Anyone else ending the year with less in 401K than when year began?

**URL:** <https://boards.straightdope.com/t/anyone-else-ending-the-year-with-less-in-401k-than-when-year-began/604127>\
**Category:** Miscellaneous and Personal Stuff I Must Share\
**Created:** [November 26, 2011, 5:32am UTC](https://boards.straightdope.com/t/anyone-else-ending-the-year-with-less-in-401k-than-when-year-began/604127 "2011-11-26T05:32:35Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![Quintas](https://avatars.discourse-cdn.com/v4/letter/q/48db29/32.png) [@Quintas](https://boards.straightdope.com/u/Quintas)\
**Post date:** [November 26, 2011, 5:32am UTC](https://boards.straightdope.com/t/anyone-else-ending-the-year-with-less-in-401k-than-when-year-began/604127/1 "2011-11-26T05:32:35Z")

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I am. Including the 4% employer match, around $400 per month is contributed to my 401K. My 401K is worth less right now than it was on Jan 1. Thats less even after contributing $4000+ dollars over the year. (I know, i still own the shares, but still depressing.)

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**Author:** ![Hilary\_Algar](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/hilary_algar/32/4282_2.png) [@Hilary\_Algar](https://boards.straightdope.com/u/Hilary_Algar)\
**Post date:** [November 26, 2011, 7:13am UTC](https://boards.straightdope.com/t/anyone-else-ending-the-year-with-less-in-401k-than-when-year-began/604127/2 "2011-11-26T07:13:43Z")

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Same here. Even after my contributions and the employer match, I \*still \*am significantly in the hole for 2011 for my 401K.

Don’t even ask me about where my home’s equity has gone in 2011 ☹

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**Author:** ![Ca3799](https://avatars.discourse-cdn.com/v4/letter/c/9f8e36/32.png) [@Ca3799](https://boards.straightdope.com/u/Ca3799)\
**Post date:** [November 26, 2011, 11:47am UTC](https://boards.straightdope.com/t/anyone-else-ending-the-year-with-less-in-401k-than-when-year-began/604127/3 "2011-11-26T11:47:34Z")

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nt

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**Author:** ![jjimm](https://avatars.discourse-cdn.com/v4/letter/j/ba8739/32.png) [@jjimm](https://boards.straightdope.com/u/jjimm)\
**Post date:** [November 26, 2011, 12:05pm UTC](https://boards.straightdope.com/t/anyone-else-ending-the-year-with-less-in-401k-than-when-year-began/604127/4 "2011-11-26T12:05:37Z")

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My UK pension fund has shrunk to almost nothing. And my Irish pension fund is now worth less than the admin charged to cash it in. ☹