I just received a couple of information sheets that showed how 2018 was in terms of investing. Let's just say that it was a shithouse year. Thanks, Trump! My financial adviser sends out a matrix with 10 different asset classes. It covers various sectors of the stock market as well as other investments like gold and real estate. In 2018 the "winner" was corporate bonds which returned 0%. Wheee! The worst performer was the energy sector which was down 18%. My retirement account essentially made nothing over the entire year. Even if I had invested in the super-safe government bond fund I would have barely kept up with inflation. This would also hold true if I had put my money in super safe bank cd's. You don't make money when you earn 1% in interest but inflation is 2%. The good news is that last month was one of the best months for the stock market. I don't have the numbers yet, but it looks like stock funds will be up 6-7% just for January alone. That's why you don't panic. People who threw in the towel at the end of December would have missed the bounce back. Now I'm only set back 6 months.