<prompt> Human: So for the past three years Ive been putting aside 5500 into a Roth IRA with eTrade that my mom has been managing. I have no idea about how to invest, while she always handled our familys finances growing up, so I was happy to let her look after it.Today I was adding my account to Mint and in so doing logged in for the first time. I was unpleasantly surprised to see that my balance was a little under 14500 - a 2000 loss from the value of my total contributions 16.5K never mind the growth over time that you would expect. I asked my mom about this and she said that the markets have been bad recently. I didnt think this was the case, but I literally know nothing for sure. Is it? My mom tends to be a very conservative person and I am 100 confident that both my parents mean well and have my best interests at heart, so whatever happened Im certain there was no malicious intent. That said, this is a wake-up call for me. It needs to be my responsibility to understand what is going on with my money. But I just feel completely overwhelmed trying to figure out what is going on.1. How can I start better educating myself to understand what has been done with my portfolio and to understand how best to manage it in the future?2. What are the best immediate steps I should take to stop any bleeding and get myself back on track?Currently on my account dashboard it looks like there are 100 shares of some ETF HSCZ and the rest 11000 is cash. x200B;  <response>: Two problems: overly invested in foreign markets not having a good year and way too much cash. I would sell all of that ETF immediately and buy a target date fund. This will buy you some time to do some more research and determine your risk tolerance and how to properly allocate your assets. Or you can rest easy and let it sit in that target date fund for as long as you wish. 