Hi everyone! It has been quite a while since I posted. Actually, it has been a while since I did anything financial or investment related. At the end of 2010 I decided to review my progress and strategy. 2010 was a good year, as far as sticking to my plan goes. 2010 I managed to contribute: $100 to my SuperFund weekly (BT Super for life) $100 to a savings account weekly (WestPac savings account) $400 to my netwealth account weekly Here's a quick breakdown of my NetWealth account at the end of 2010. (Performance for the year) total ---------------------------------- performance 4% - Cash account - $90 36% - CFS Geared Aus share - core - NEG 12.6% 18% - Colonial first state property securities fund - 0.09% 21% - Platinum international brands fund - 15.73% 19% - Vanguard emerging markets shares index fund - 4.73% In total, a loss of $414 from Jan till Dec. (-1.77%) I have about $50,000 in my NetWealth account across these funds. Honestly, I don't think I've made any positive returns since I started investing. I forget when it was, but I got off to a very bad start (maybe 2008. Just before the 'financial crisis' hit, whenever that was) So I'm just asking for some advice. My income has been cut this year and I haven't saved a cent in 4 months. I'm back in a position to start saving again (maybe $300-$400 weekly). I'm also looking at a new job by the end of the year (fingers crossed) which will give me more freedom and more money (slightly). Sooo. What would YOU do? Keep contributing, despite the lack of positive returns? Cut my losses? Please advise! Thankyou all.