401K returns are based on the investments that you select. If you select conservative accounts, 3% would be the expected rate of return.
But in 2014, most people do not have their money in conservative accounts, instead they would be in growth & income or growth accounts (more risk, more reward). On average retirement accounts are around 5.8% for year to date.
That depends what risks you took to get that RoR.
The NASDAQ is up 9.2% for the past three months.
The Dow Industrial Average is up 3.1% in the past three months.
Of course, the NASDAQ would likely take a much bigger dive if there is a market shakeup, so always going for the higher return is not the way to invest.
Compare it yourself to the S&P500
https://www.google.com/finance?cid=62630...
I have my money in peer to peer lending and making 14.59% interest.
Is a 3% rate of return good for a quarter? (Jan-March)
