<prompt> Human: Im a 31-year-old who has just finished grad school and started a new job. I have my retirement savings in a Roth IRA and a 403b through Fidelity. The Roth IRA has 18k in AIVSX American Funds Investment Company of America Class A and the 403b has 16k in VIVLX Vanguard Institutional Target Retirement 2055 Fund Institutional Shares. I havent contributed to either of these accounts in about 5 years due to being in school. On January 1st of this year, the combined balance of these accounts was 34k. The highest it got this year was 36k and right now its at 33k. The balance was 28k in January of 2017.Should my investments be somewhere else? I understand that these are long term funds right?, but should I really have lost money over the course of an entire year?  <response>: The stock market hasnt had a stellar time this year. Both of the funds you listed are essentially flat year-to-date.VIVLX is a fine choice in your 403b. Why are you in AIVSX, though? American Funds are not typically the best choice. You pay up to 5.75 off the top in fees for any contributions you make to that fund. Plus a 0.58 ongoing expense ratio. Since your IRA is with Fidelity, you should switch over to one of Fidelitys low cost index funds. For example, FDEWX, which is Fidelitys 2055 target date index fund. It has no front load and an ER of just 0.14. 