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MacAttack0711 t1_ja64q4j wrote

Thanks. I did some more digging and looks like I'm down 9.5% over the last year but have YTD returns of 4.5% roughly. Makes sense I suppose. I'm an immigrant and only in the last few years have I had the financial means to invest much of anything at all, so this is all relatively new to me and I am self taught, so there's things I don't always conceptualize in full. Thanks again.

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Fodder01 t1_ja65gz9 wrote

I have trouble handling market fluctuations as well, my contributions hardly offset losses in down years. If you aren’t close to retirement focus on the additional shares you purchase in a down market. If you are near retirement think of how to move your investments into more stable vehicles.

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