<prompt> Human: Im pretty sure that means im losing money, but does that mean my allocations are bad or is it just from the market? Is that normal and does it change? This is what my allocations look like:Edit this is what Im invested in currently: Transamerica Stable Value Compass Account Short BondsStableMMkt - Stable Value 2 AllianceBernstein High Income Ret Acct Interm.Long-Term Bond - Intermediate-Term Bonds 1 Loomis Sayles Bond Ret Acct Interm.Long-Term Bond - Intermediate-Term Bonds 1 Loomis Sayles Investment Grade Bond Ret Acct Interm.Long-Term Bond - Intermediate-Term Bonds 2 PIMCO Total Return Ret Acct Interm.Long-Term Bond - Intermediate-Term Bonds 2 Pioneer Bond Ret Acct Interm.Long-Term Bond - Intermediate-Term Bonds 2 JPMorgan Government Securities Ret Acct Interm.Long-Term Bond - Government Bonds 2 BlackRock Equity Dividend Ret Acct Large-Cap Stocks - Large-Cap Value Stocks 2 RidgeWorth Large Cap Value Equity Ret Acct Large-Cap Stocks - Large-Cap Value Stocks 2 SSgA Russell Large Cap Value Index Ret Acct Large-Cap Stocks - Large-Cap Value Stocks 4 American Funds Fundamental Investors Ret Acct Large-Cap Stocks - Large-Cap Blend Stocks 8 Neuberger Berman Large Cap Value Ret Acct Large-Cap Stocks - Large-Cap Blend Stocks 4 Transamerica Partners Stock Index Ret Acct Large-Cap Stocks - Large-Cap Blend Stocks 4 Vanguard Total Stock Market Index Ret Acct Large-Cap Stocks - Large-Cap Blend Stocks 4 Alger Capital Appreciation Ret Acct Large-Cap Stocks - Large-Cap Growth Stocks 4 American Funds AMCAP Ret Acct Large-Cap Stocks - Large-Cap Growth Stocks 4 SSgA Russell Large Cap Growth Index Ret Acct Large-Cap Stocks - Large-Cap Growth Stocks 4 RidgeWorth Mid-Cap Value Equity Ret Acct SmallMid-Cap Stocks - Mid-Cap Value Stocks 8 Invesco Mid Cap Core Equity Ret Acct SmallMid-Cap Stocks - Mid-Cap Blend Stocks 4 Goldman Sachs Mid-Cap Opportunities Ret Acct SmallMid-Cap Stocks - Mid-Cap Growth Stocks 4 Fidelity Advisor Small Cap Ret Acct SmallMid-Cap Stocks - Small-Cap Blend Stocks 2 Vanguard Small-Cap Index Ret Acct SmallMid-Cap Stocks - Small-Cap Blend Stocks 8 Wells Fargo Advantage Small Cap Value Ret Acct SmallMid-Cap Stocks - Small-Cap Blend Stocks 2 Lord Abbett Developing Growth Ret Acct SmallMid-Cap Stocks - Small-Cap Growth Stocks 2 Vanguard REIT Index Ret Acct SmallMid-Cap Stocks - Real Estate 2 American Funds EuroPacific Growth Ret Acct International Stocks - WorldForeign Stocks 2 American Funds New Perspective Ret Acct International Stocks - WorldForeign Stocks 2 First Eagle Overseas Ret Acct International Stocks - WorldForeign Stocks 2 Janus Overseas Ret Acct International Stocks - WorldForeign Stocks 2 Oppenheimer Developing Markets Ret Acct International Stocks - Emerging Market Stocks 2 SSgA Emerging Markets Index Ret Acct International Stocks - Emerging Market Stocks 2 BlackRock Health Sciences Ops Ret Acct Multi-AssetOther - Sector 2 Franklin Biotechnology Discovery Ret Acct Multi-AssetOther - Sector 2 100  <response>: Whoa, you need to rebalance your stuff.I know most crash courses in investing say OMG DIVERSIFY!! but what you have going on is too much.A single mutual fund in a retirement account is more than enough diversification, because it is probably comprised of 100 different stocks.Your best bet is to figure out your investing strategy younger more aggressivegrowth, older less aggressiveincome and then pick a fund based on that, with preference to the lowest expense ratio. 