Well, that depends on how you look at it. Technically, it is losing value in dollars, however, if you have no plans of selling, the value remains the same, so to speak. On the contrary, not everyone loses money when the market is bad. One way to look at it is how much you actually spent purchasing compared to its current value. You only lose money the moment you sell your assets with a lower value than you bought it for. All values are temporary and patience is always the key factor to succeed in this business.