<prompt> Human: At this point, I do not know the specifics, but she said invested through a money manager in a combination of bonds and stocks. She told me that last year there was a loss. Any suggestions on how this would be possible?  <response>: I do not know the specificsWithout specifics, nobody can give you a meaningful answer. Sure the return isnt great but it isnt like she lost money either, this could be a perfectly honest result. 