<prompt> Human: Pretty new to the 401k thing. I just started investing this year.I saw that my rate of return is -5.30 for today and switched my Fidelity investing and planning team to start doing low risk investing until the market is back to normal.Is this a wise move? I was originally very high risk and cant stand seeing my 401k dwindle down everyday.Thanks for the help.  <response>: Presuming you still have decades until retirement when you will actually use this money, you are looking at things completely backwards. High equity prices like weve seen this year are bad for you. You need prices to fall, preferably by a lot, so that you have an opportunity to buy additional shares at those low prices. The only way you make good returns is by purchasing at a low price. So create a plan now and stick to it no matter what happens. None of this moving back and forth multiple timesdayweekmonth or even year. 