<prompt> Human: I started a target retirement fund a little over a year ago and for the first time since then Im not technically losing money. Ive put 11K in and it is now 10.8K. Is there any reason to worry here or just leave it in and ride it out? We also put 11K at the same time into my wifes account with the same story.  <response>: No. Thats the whole point, the money is going to be in there for a very very long time. The market will go up, the market will go down, it will go sideways, but in 15-40 years when you retire, it will be worth a hell of a lot more than it is today. 