<prompt> Human: Hey all, not sure if this is the right subreddit but Ive been worried about how my experience with Vanguards Roth IRA service has been so far. Im almost 20 years old and have opened up a Roth IRA about a month ago.. I contributed 1,200 to the Target Retirement 2055 Fund because thats all I had earned from my job thus far. Now my concern is that the fund Ive invested into is not doing well at all. Ive been checking the account every couple of days and at the beginning, I had returns of 4-6, no big deal. But after a whole month my balance has gone down over 35 from my original contribution of 1200 which is causing me concern.. Is this normal for the fund to drop so much in just one month? Im not naive and thinking that I should get immediate returns, but Id like to know more about whats going on.. Thanks for any help in advance!  <response>: PANIC! SELL IT ALL! THE MARKET IS CRASHING!Do you really think one month of negative fluctuation is a problem on a time horizon of 2055? Read the FAQ. 