You Made a Terrible Investment That’s Consistently Underperforming This point is largely moot if you invested in an index fund or series of index funds, because they reflect the entire index’s performance. To oversimplify it, if your “total market index fund” is going down, that means the entire market is down. If you believe the market will recover, that means investments are on sale for cheaper prices than before, meaning not only should you not sell, but you should keep investing and pick up shares at a cheaper price.
