I think it will come back. Back in the recession of 2000 and then the dot com crash in 2001, my retirement plan went from $ 315,000 to $ 165,000. By January 1st of this year, I had earned almost $ 300,000 in seven years and it had recovered to $ 445,000. Now it is down to $ 330,000. I have faith that this too, shall pass.