I am so worried that it's going to drop even lower. I understand the three funds I've chosen are on the risky side. If so, that was a mistake, fueled by greed.
Investors have to learn to live with some risk.
Most of us, unfortunately, don't have the luxury of staying out of stocks altogether if we want to retire someday. One way is to make sure your retirement funds are properly allocated for your age and situation. Next, put volatile markets to work for you. Continue to invest regularly, preferably by putting part of each paycheck into a retirement fund. As a financial advisor, I've found that most of my clients simply can't learn to live without debt.