With the start of the new year, I looked at my 401k and saw that 2015 was a bad year. Almost half of the funds lost money. Previously most of these had been decent to good performers. What happened? I'm not an investor. I just pretty much try to spread my money out across enough funds with a decent track record to be diversified. If it was a stock, I know I may not want to abandon it if there's a possibility for the company to recover, but does that logic actually hold true for mutual funds? For 2016, I'm upping my retirement game so I'm trying to figure out what to do. I ditched a couple of the smaller poor performing funds. I'm still spread across 16 funds at varying levels. Maybe I'll talk to a professional, but professionals also lost me money this year. Either way, we've got the weekend to discuss. And yes, I have silver, lead, steel, plastic and paper just in case.