<prompt> Human: Im 27, I want to start saving for my retirement as early as possible. I already feel like im starting late to be honest. Ive been looking over some of the Vanguard Target retirement funds and theyve all been losing money over the past year. I know this is pretty short term in the grand scheme of things, but would it be more beneficial to start getting money in there as soon as possible, or waiting until the market improves?I hope this question makes sense, Im not well versed in finance by any stretch of the imagination.Assistant: No.Why would you want to wait until something costs more to buy it?Human: What do you mean? Im talking about the average growth rate of the fund, right now Its losing money. Maybe Im not understanding how this works.  <response>: Its losing money because the trend over the last 9 months has been downward. Sure at some points its up, others its down, but in aggregate the year hasnt been too great if you look at it from Jan 1 until now. That said however, if you bought in last week, the fund may have had some gains compared to today. Or not.. Invest now while the prices are low compared to what they may have started the year at. And certainly dont look at an upward few days and buy in at a high point. Just simply buy tomorrow and when you have more money to invest at a later time, buy more. You arent concerned with short time frames here. Its for retirement so youll be holding onto these funds for over 10 years at which point they should have, in theory, grown reasonably in value every year. 