Offer your thoughts or opinion on the input financial query or topic using your financial background.

Shouldn't a Roth IRA accumulate more than 1 cent of interest per month?
Terminology aside.  Your gains for this year in a mutual fund do seem low.  These are things that can be quickly, and precisely answered through a conversation with your broker. You can request info on the performance of the fund you are invested in from the broker.  They are required to disclose this information to you.   They can give you the performance of the fund overall, as well as break down for you the specific stocks and bonds that make up the fund, and how they are performing. Talk about what kind of fund it is.  If your projected retirement date is far in the future your fund should probably be on the aggressive side.  Ask what the historic average is for the fund you're in.  Ask about more aggressive funds, or less if you prefer a lower average but more stable performance.  Your broker should be able to adequately, and in most cases accurately, set your expectation. Also ask about fees.  Good brokerages charge reasonable fees, that are typically based on the gains the fund makes, not your total investment.  Make sure you understand what you are paying. Even without knowing the management fees, your growth this year should be of concern.  It is exceptionally low, in a year that showed good gains in many market sectors.  Speak with your broker and decide if you will stick with this fund or have your IRA invest in a different fund. Finally JW8 makes a great point, in that your fund may perform well or poorly over any given short term, but long term your average should fall within the expected range for the type of fund you're invested in (though, not guaranteed). MOST importantly, actually talk to your broker.  Get real answers, since they are as easy to come by as posting on stack.