The Chump IRA is beating the S&P, the benchmark I follow most closely, with a 1st quarter performance of 2.54%. Not a huge difference, but over years, a few % better than the S&P will add up nicely. Further, we've yet to see a real extended downturn. I believe the Chump IRA, with so many high quality companies, will fare much better in a downturn than the broader indices. We shall see!