Unless you are thinking about retiring at the end of the month, it's not that important. Think long term, which in your case is about four decades. From 1926 to 2005, the S&P 500 returned an average annual 10.46 percent gain. But it wasn't a linear increase by any means. The period included the stock market crash of 1929 and the post-war boom. On Oct. 19, 1987, stocks dropped 22.6 percent, but recovered nicely. Think of it as a bargain. Your next investment will buy more now that prices have dropped.

I see the stock market is starting to rebound again. I hope this was a short-term thing.

I'm also glad that my company also includes a guarenteed pension plan too, which is cash balance in case I leave the company. It's nice to have the traditional pensions in suppliment to 401ks