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

I wouldn't be concerned about a three month period.

However, if you haven't seen gains in 10 years you're doing something wrong.

being in my early 40s i look at down tuns in the market as opportunities to by more shares with my contributions then during higher market periods. Unless you are close to retirement/in retirement, dips are not a bad thing

In 2008 i looked at it as being able to buy 2x as many shares as i was able to buy in 2007 with the same contribution. so 2008 became two years of contributions vs other years.

My contributions kept me at even this year, but last year I murdered it.

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It may be time to switch to more stable funds.

I doubt I have seen any gains in the past 10 years.

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Who is managing your IRA?

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It may be time to switch to more stable funds.

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Buy high sell low, works out every time.

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I doubt I have seen any gains in the past 10 years.

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Should be pretty easy to find that info

What the hell were you invested in in 2017?

I get excited. Buying more for less is a great way to get to early retirement.

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.

Did you choose the allocation and funds or did your guy do it?

That’s a pretty terrible set of funds to be in over that period of time.

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You must have been in all cash then. The past ten years has been an epic bull market for stocks unless you got it right before the crash.

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If you had finished reading the thread, you would've seen the proof OP provided:

Having just looked at the 5 year performance of those funds, OP's problem is that these Oppenheimer funds are EDIT: not as bad as I initially thought; see the note below. The high fees compared to the alternatives is just insult to injury.

EDIT 2: This original post was wrong about the mutual funds' performances. I wrongly assumed the Google chart for the funds showed changes in NAV per share. Thankfully, Thib-a-doe Tiger pointed out that my information was wrong. I have removed the wrong info for later readers. If you want accurate NAV changes for the funds, use Morningstar. If you would like to see my mistakes, they are quoted on the following page.

The information below is the name of the funds he was invested in, the ticker, and the type of investments the funds use:

Capital Appreciation Fund A: OPTFX, large cap US growth stocks.

Discovery Fund A: OPOCX, small cap US growth stocks.

Global Allocation Fund A: QVGIX, global allocation with short-to-medium term horizon that "seeks to achieve attractive total returns without taking undue risk."

Global Fund A: OPPAX, large cap US and foreign stock fund.

Global Strategic Income Fund A: OPSIX, global fixed income investments.

Limited-Term Bond Fund A: OUSGX, limited term US investment grade fixed income investments.