2) this is a mind game, you are not actually loosing money in down years (unless you are actively trading), the market is just valueing your assets for less. Wh

2) this is a mind game, you are not actually loosing money in down years (unless you are actively trading), the market is just valueing your assets for less. When the market does this, you should see if prices are cheap, and if so buy as much as you can! - Warren Buffet style