conversation: User (knocking_): "[Here](https://docs.google.com/spreadsheets/d/1E-lITVLQaAuPQTIMt1-5pKrnM4O_3skdzyFXg0ns8_o/edit#gid=1630980054)'s the relevant stock and Roth IRA data I've been looking at. Note that there are two sheets. [Here](http://imgur.com/TUtDrnP) are my allocation data. My Roth is managed through Northwestern Mutual - I pay $50/year for management. I've considered moving my Roth elsewhere.\n\nLong story short, I've lost money over the past year to the tune of 20%, while the NASDAQ and S&amp;P 500 have experienced positive returns (~11% and ~3% respectively). I get that, being in my early 20s, I'll have a more aggressive risk allocation and will be more diversified than these strict stock indices. But, losing 20% over a year (and I do understand it's just a year, and things can change going forward)? That seems egregious. "
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