<prompt> Human: Im 28. I have a 22,424.30 account with Vanguard from a previous employer, and 827 an 403b with my current employer. Here is a link to the details of my 401k: Google Doc As of today, my investment return in the 401k is -421. Im pretty sure that I shouldnt move any money until the current crisis in China has settled, but I am most dissatisfied with the performance of my investments. What would you recommend?  <response>: The stock market fluctuates. In the short term you will lose money. 