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It may not be any consolation to you, but many investors have become concerned about, or are now discouraged with, the performance of their investments. Standing by and watching years of savings and past gains slip away over a 2-year period has many people wondering what to do next. According to the September issue of the AARP Bulletin, more than $7 trillion has evaporated since this bear market started. Of this, about $700 billion disappeared in value within retirement savings. To give you another perspective, a dollar invested in the broad-based S&P 500 in March 2000 is now worth about 55 cents.