<prompt> Human: Vanguard through employer 90 Stocks, 10 Bonds.Should I be concerned? Should I switch to a different offered plan, how do I know which to pick? I had a 9 return the year before, so its not a trend yet by any means. Whats going on with the stock market?Assistant: Stocks go up...stocks go down. Hopefully they go up more than they go down over a long time span.The whole point of long term investing is to ignore short term trends.Human: Thats very true, what Im asking however is if this trend was indicative of the market as a whole for 2015 or did my specific plan underperform? Do I need to take a closer look at my current mutual fund designation and pick a different plan?Its Vanguard 2055 for reference  <response>: The market dropped overall for 2015. Youre doing it right with the 2055 fund, dont be worried. Check back in a couple of decades. 