Congratulations: You Are Now an INVESTOR!
You have successfully avoided the temptation to dump all of your stocks/bonds, buy Beanie-Babies, and hide under the covers. You have tried (perhaps with little success) to re-position your portfolio to minimize the damage. You have a queasy feeling in the pit of your stomach every time you open the statement from your broker. Maybe your portfolio is feeling a little better the past month or two.
But: you are still in the market. Investing is more than just expecting 10% gains per year: it is about carefully sheparding your hard-earned savings through bad times and good, and NOT panicking the first time you have trouble. It is about keeping your cool and looking forward to the day you get to retire and have a drink with an umbrella in it on the beaches of Cancun.
Look at this way: this has been the worst year in investing since 1929. If you can survive this (even if you also get an ulcer), you can survive anything. Besides: it gives you a good story to tell your grandchildren.