Many investors become apprehensive when the stock market begins to fall and produce negative returns or when it fluctuates a lot. Some investors try to time the market that is, sell shares or transfer out of a fund because of the losses it has had or they buy or transfer into a fund after it has had a series of excellent years.
Experts generally tell investors to set an asset allocation and stay with it.
Even if it goes down, you actually haven't lost any money until you sell or transfer out. There is good chance the fund or stock may recover its losses and end up at a higher level. If you sell when it is low, you lost money. If you hold on to it and it recovers, you are ahead of the game. Don't just look at the last one or two months or even quarters.