Bban the cause is just,but we already lost : 30.80 % in 2019 = $308.00 20.99% in 2020 = $209.90 11.95%YTD in 2021 (as of today) = $119.5 Just presuming Face plus some for a total of $1000 per P. Total Lost per P = $637.40 Leveraging a very basic Index fund:(look at Total Return % section, top row) https://www.morningstar.com/funds/xnas/vtsax/performance You run the numbers and that’s a big number compared to $25 per P FWIW GLTA