That's the performance of my 401(k) for all of 2008.  To put things in perspective, the Dow Jones Industrial Average was down nearly 34% on the year.  The S&P 500 was down 38%.  And then when you consider the world as a whole, the global return was down 44%.  All in all, it could have been a lot worse.  I'm just glad that retirement is so far off for me that this will be just a blip on the radar.

I doubt I'll do anything to the allocation of my 401(k) except let it rebalance itself in June.  Everything in my portfolio was down between 30% and 40% for the year.  It would be a waste of time to try and move things around so that I don't lose 1% or 2% here and there.  I think that I will wait until 2010 before I move things around again.

In other news, last year I opened a savings account that pays about 4%.  Of all my "investments", it was only one of two that actually made me money on the year.  Go figure!