True, I'm losing to the market, since January. But 'the market' is unpredictable, unrealized gains on paper. Unless you sell your index tracking positions, you will, in the next couple years, see some nice unrealized losses on paper.

My gains are realized. And fairly predictable.

Also, I only have about $55k in capital. But my rapid buy/sell cycle (not HFT) allows me to keep 'reusing' it.