<prompt> Human: I began investing last June of 2014 and have been steadily increasing my monthly investment amount. I am now negative for the year. Did I miss out on the bull market? Have others seen zero to negative returns on their investment in that time period? Ive invested strictly in the Vanguard Target Retirement 2055.Edit: thanks everyone for the answers and support!  <response>: You have 40 years to make up for the loss with ever greater gains. No one knows when bull or bear markets happen, just follow your plan for the long term. 