<prompt> Human: So I had 3,000 sitting around and I decided to drop it in a Roth IRA since I wont have access to a 401k with matching for a good while. The Retirement 2055 shares were pretty high when I bought in and have fallen steadily since. Im out like 100 or so.This goes against all that I know about stocks which is nothing other than buy low, sell high so can someone please tell me why continuing to invest in that fund is a good idea?  <response>: The market will go up and down a lot between now and 2055, but will most likely trend up over the next 42 years. You have to ignore the short term ups and downs. Dont panic on the downs, and you wont have a problem. As you get closer to 2055, the fund will shift more towards bonds which will be more stable. 