My retirement fund that I just started was worth $15k in December of 2021. Then, May of 2022, our area was hit really hard. My retirement plan went down to $7k. Today, it’s worth $11k. I lost $4k on my retirement plan. It’s invested in total market funds, some tech, some big cap companies, and healthcare. But every sector has been ravaged by the stock market changes.
You need to talk to someone about your risk tolerance. Clearly you’re not willing to accept short term losses and you’re going to be prone to panic selling and holding cash when you could be buying dips. Your risk tolerance does not match your portfolio.