<prompt> Human: After a few weeks of reading advice here and other places, my husband and I just invested about 11,000 in Roth IRAs for retirement and 7000 in other mutual funds to save for a house downpayment. We went with funds that were rated moderately-conservative to moderate because were just starting out with investing our money and are a bit risk averse. After less than a week on the market, weve lost almost 300.I know this is just a temporary downturn, but its got me worried. Is it a good idea to postpone our automatic monthly payments into our Roth IRA and other mutual funds until the market recoversmutual funds are back up to their initial value?  <response>: Why would you want to start buying after the funds go up in price? 