If your portfolio is down that much over that period of time, you are likely not making good investment choices. S&P500 is up like 50% since 2021…
Your losses or lack of portfolio growth isn’t really something to complain about online without more info on what your asset mix is. Unless your goal was just to complain, and not get any advice from helpful anons that are having more success in investment choices.
It’s invested in total market funds, some tech, some big cap companies, and healthcare
Tech, big cap, and healthcare are already part of the total market funds, so you’re over-weighting (taking excess risk) by investing that way. Assuming you’re pretty young based on time in market, you’d be fine with just the total market fund, until you have more experience with the market or just want a set and forget, for a while.
Nope, fees just get passed to the customer.