re: If your IRA chart looks like this how concerned are you?

I also think the Strategic Income and Bond Fund are bad ideas that can account for a certain amount of losses. Buying those in a low rate environment meant he paid high prices for low yield bonds. And once interest rates started to climb again, the price of the bonds in his funds declined. OP should have been in equities instead.

And while he is paying high fees for his funds, they aren't the main reason why he's down each year.