Many people have seen this happen in their retirement accounts and think they should move their money into other investments. WAIT!...

If you read the fine print regarding the funds you have invested your hard earned money into, you will see that often times you must leave your money in these funds for specific periods of time. If you move your money OUT of these investments before that period of time, you will incur a "short term redemption fee" as a penalty.

Brokers make their money the same way your bank does - through charging you fees. Dont' try to be a "Wall Street Wiz Kid"! Your retirement account is NO place for "Day Trading"!

The wisest course of action is for you to change your "investment elections" and leave the money already invested right where it is. Markets go up and down constantly, that is their nature, and most likely your declining investments will eventually go back up.

Retirement accounts are for your retirement, which hopefully is many years in the future. Do not make the mistake of just giving your money to your broker.

The first thing to remember is that your retirement account is NOT a day-trading account. Your account is updated daily alright, but the trnasactions that you place - such as fund transfers - do NOT occur immediately.

Here is how it works: you decide to transfer your money out of funds that are dropping today because you think that the trades will be submitted with the share price at the time you make the transfer instruction. WRONG! Your "order" is placed today at the end of the day. That "order" is sent to the Broker on a daily file later that night. The "order" is traded the next day with that day's closing price. You see the transfer completed online on the third day.

The smartest course to take on your retirement account is to leave the money right where it is. Stop putting any more money into that fund right now by changing your "investment elections". Start putting you future contributins into other funds.

Eventually you will see all your money moving up in value because that's the history of the markets - over long periods of time your investments increase in value.