<prompt> Human: Hey guys - despite my studying of economics in college and my occasional reading of a handful of investment blogs - Ive been losing money in my Roth IRA since I opened it in January.Now, I based my investing here on the Three-Fund Lazy Portfolio And I now have seen that I was better off placing my money in a savings account.Turns out - I just dont have time to be checking my investments on a daily basis and making adjustments. Do you guys have recommendations on who I can turn to that will automatically invest some of my money and guarantee a decent return? I would love to do it myself, but again - I find it very discouraging that Ive actually lost money since I first opened up my Roth IRA account.I also have a 401k, but that was a bit different as my employer gave me options to purchase into.TL;DR - My Roth IRA is actually losing money. I thought I had a decent grasp on what to invest in, but it turns out I just dont have time to make daily trades and adjustments. Recommendations on being a lazy but fairly consistent investor would be appreciated! Thanks  <response>: Ive been losing money in my Roth IRA since I opened it in January.You need to stop thinking about things in six-month intervals. This is normal. No one knows the future. Return is related to risk. Risk shows up from time to time, particularly over short periods. And I now have seen that I was better off placing my money in a savings account.Youre confusing strategy with outcome, and short-term volatility with long-term returns. Turns out - I just dont have time to be checking my investments on a daily basis and making adjustments.Stay the course. Do you guys have recommendations on who I can turn to that will automatically invest some of my money and guarantee a decent return?There is no free lunch and there are no guarantees. The best thing out there right now is probably I Bonds - 5Kyear limit, will track but not beat inflation. 