Thanks for taking the time for your thoughtful response. I just looked and it’s in the moderate age based account. The conservative age based account looks like it’s down just as much. The main reason I think I should continue to contribute is the new NJ state income tax write off. We’re under the $200k threshold and tend to owe state taxes every year. Plus I see there’s some benefit if my D goes to an instate school. I’ll call the fund manager and see if it’s worth switching over to conservative with fees/losses. Thanks again!