"The stock market has been full of crazy swings this year. Your retirement accounts were buoyed by the 1.2% gain in the Dow Jones Industrial Average on January 8. Then you cringed as account values bounced around in March with a 333 point drop. You nearly fainted as the Dow plunged again this summer – 500-plus points on August 21! While the close of the year has offered some recovery, you haven’t yet recouped the value you started with at the first of the year."