<prompt> Human: I have graduated college and in the work force for 3 years. I have a 403B account with my employer TIAA -Cref. The first year, my annual return was 10 and the second turn the annual rate of return was 20. This year, my rate of return has been 0.2-0.8. According to my Morningstar Style Box, my investments are in a LARGE BLEND with HIGH credit quality and MODERATE sensitivity. Obviously, I am not sure what all of this means, but I do know that my rate of return is incredibly low, considering that I am young and should be in high risk investments. I am not even sure where to look or how to begin to start to fix this problem. Any advice or guidance would be great. Thanks  <response>: You had a year of 10.You had a year of 20.You had a year of 0.This means youre averaging 10. That is good. No need to be concerned and change your investment strategy. As long as youve been in the same investments all three years, youll be fine. 