<prompt> Human: So Im a 31 year old with 12,663 in my 401k. Based on my contributions its a return of -1.2537;. Its continued on this trend for a few months. So far all of my money is invested in a time-based fund, with an estimated retirement year of 2045. How worried should I be that its losing money? Is there anything I can do to safeguard my 401k? I was in the UK when the last recession wiped a bunch of retirement funds out and I want to make sure this money doesnt disappear.  <response>: You are 31, you have plenty of time for it to rebound, just hold par for the course. 