<prompt> Human: Hai everyone, I was just wondering if anyone can drop some knowledge on me as to how tf my vanguard target retirement 2055 fund has lost 400 since early 2017 in this bull market? I have deposited 11k, now have like 10,600. I believe my allocations are 90-10 stocksbonds or close to that.Also, Im assuming we cant pick the stocks that are in there? Vanguard does it for you - correct?-N00bEdit: thanks everyone for being so helpful. So...tdlr, I thought it was a bull market but it wasnt a bull market. Lulz.  <response>: What bull market? The market has been going down for the last few weeks. It has now made a loss for 2018 overall. Vanguard does not pick stocks in that fund. The fund buys index funds that own stocks in the correct proportions to replicate the returns of an index of many many stocks.It the Target Date Fund has gone down, it is because the indices have gone down which they have.Good luck. 