My Simple IRA is with Edward Jones through my employer. My advisor, a glorified used car salesman, claims that it’s not fair to compare my returns with him to either the SPTMI or my own Roth IRA. His reasoning is that because it sees contributions twice a month, there’s always recent contributions that have not grown which makes the return seem lower. The account is only two years old and has about 10k in it. It shows about 12% growth for 2024 while the SPTMI and my ROTH IRA (30k, maxed early in the year, 80/20 VTSAX/ VTIAX) showed about 24%. Does his explanation hold any weight? My returns over the last rolling year are negative by <1% while my ROTH is up over 13% still just because of how strong last year was. Appreciate anyone’s input!