<prompt> Human: Hello to all who read. Im a 19 yo in college and decided to take the advice of many here and open up a Roth IRA. I ended up going to Charles Schwab since they have their Intelligent Portfolio. Essentially what this does is it takes your financial contribution for the fiscal year and invests it accordingly based on the amount of risk youre willing to take with your investment. Being that im 19, i did the 100-my age to assert how much to allocate in stocks, bonds, cash etc etc... The smart portfolio program then re-balances your portfolio depending on the drops and increases of the market, i think daily?I maxed out my contribution of 5,500 for the year, but three months later its at 5,250. Im worried that this may continue to decrease. Should i reconsider my risk allocation?Should i take my money out of the intelligent portfolio and manageinvest it myself?Should i leave it alone and hope it grows?Any advice is welcome. Thank you!  <response>: retirement accounts should be view over decades, not months. Everyones is down, tis a down market right now. leave it be, it will go back up eventually. If you where 60 it might be different, but your 19, let it ride. 