obviously it is a bear market at the moment, meaning that we need to hold our investments in place and not budge until the value has again increased, until that time we should not become emotional and just sell because we fear that the situation might get worse. this is the normal cycle of this type of investment product, it is mostly the nature of any kind investment products, it increases then decreases and then the cycle repeats again and so on and so forth. so I recommend that every one be patient and wait until the right time to sell.