There is 37,000 in your account. This is good believe it or not. You may have earned much more than 4% on your investment. This money got put into an account of some type. It may have been a stock fund, a bond fund, or someother things. It should have been earning interest. If it had been in the market since 1990, it made a lot of interest, although in the last year it went down. What you need to do is contact your plan advisor and get the information on the types of investment choices you have. You should also have been getting statements on the account. If you haven't, contact the administrator and get one. This will show you where your money is and what return you have been getting. I also think you should try to find someone who can explain it to you, the administrator should, but if not that person, someone else. This is important here. You need to understand where your money is. There are also books that explain this and here on the Fool, there is plenty of informaiton and a couple of seminars that explain these things in easy terms. But congrats on having money for retirement. Many have none.fredinseoul
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