<prompt> Human: I have to move my 401K because I changed employers. The company says it will be rolled over into an IRA in May unless I do something sooner. My problem is Im dumb in these things. Ive lost money every year for the last 6 years! Even paying a financial advisory my 401 went down! Any advise on how to make my last 100,000 show a decent return? I want to retire in 8 years.  <response>: Just pointing out that higher return funds tend to also be higher risk. If I needed the money in 8 years, I would not feel comfortable going over moderate returnmoderate risk. ETA and even then I wouldnt expect the amount to necessarily go up in such a short time. 