<prompt> Human: Here is a screenshot of my 457b account with MassMutual through my employer local government . I just opened the account so that is why the balance is so low. I have contributed a total of 320 so far and now Im down to 317.50. Im not concerned about the loss since my account is set to the most aggressive investing plan and Im 28 years old so I have plenty of time to make money. Im just curious why my personalized rate of return is 0.11 when Ive lost money. Shouldnt the rate be negative? What am I not understanding?edit: Extra details  <response>: Dont stress about your retirement accounts balance. It will go up and down and clearly its telling you you had a positive return in July, not necessarily YTD or lifetime. 