Unless you have a very little invested, I fail to see how a $15,000 gain over the last 2 years is what you would consider a good return. If you only had 100k invested, 15k would be less than 7.5% annualized when you account for compounding, which is ok, not great, but ok. If you had 200k, it would be less than 3.75%. You get the picture...or maybe you don't. Either you don't have much money invested, or you simply don't understand that you really didn't do very well.
You don't get it. We had a drop on three consecutive quarters, gained back in the fourth, continued gains after that, took out 15 last summer, made that back and continuing to gain and that was just on wife's accounts. Most of mine backed against S&P where I cannot lose, but can not make more than 7.5%. I never failed to get a return when snapshot taken, and I guess I will max this time. Investing is best diversified, and ours is. We listened to our guy on hers, and he was correct. I listened to banker on mine and her advice has been correct. We aren't trying to get rich, simple stay well ahead, and we are, so it is there, if we need it. Except for building project, we haven't needed it since we retired, but cheaper to take out, than borrow, while we maintain our lifestyle, we chose, as we both have multiple retirement income. It is like our cars. We like what we paid, like the performance, have very little maintenance expense and are happy with them. Am I a small investor. Yes, ever since the Bush crash, but managed that well enough to retire secure on schedule, as it was not worth it to me to keep playing the game, when I could comfortably retire on schedule with what I had.
You can whine all you like about how yours has turned out under Biden, but ours just didn't turn out bad, like yours did and I attribute that to your mix, your selections, the guidance you listened to and the guidance you rejected. I am not hoping for Donny to come back for any kind of financial reason. I am good. Just because he wheels and deals on OPM, where the OP lose and he wins does not impress me. You are just easily impressed. So we will keep hanging out by the pool, taking our Florida beach condo vacations, the kayak trips, the Colorado ski trips and still staying ahead of the game. Plus, we will be voting Biden, as we have seen how the economy performs and overall it it quite good enough for our purposes. Good luck to you and yours.