Been putting money aside and into ETFs/index funds over the past 5 years but still a net loss why?

mostly index funds like VT and VTI still losing money what gives?

Have your contributions been evenly distributed over the past 5 years? If mostly after the 2021 peak then I’d expected to be down.

Probably because of the international component of VT

Not sure how that’s possible if doing dollar cost averaging…

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Are you taking the dividends received into account?

Not sure if it’s legit / good data quality, but according to this calculator:

A monthly investment of US$ 100 into the S&P 500 between 08/17 and 08/22 should have yielded a positive return: