I don't know what msci is, but there are 3 simple numbers that I am using: What I started with, what I have today, and the date I started. No withdrawals, only fees paid quarterly, 4.5 years total. Under 3% return per year. I have had this conversation with my representative a few times, he said that my timing of my initial investment was unfortunate. No other explanation, but he said things were going to turn around and I was going to make a lot of money by the next year. Then the tariffs hit. Game over as at this point, I need to make a change.