Hi all. So hubby and I had a plan to invest in stocks about 18 months ago after selling our PPOR to move to South Korea and live as expats for two years. The plan was to slowly build up a portfolio that would pay us a wage so that we could segue way into an early retirement. Initially, the FA told us to stay put as he was not confident about us buying in aggressively, so we put our 1.2 million into a term deposit and collected the gain. End of last year the FA suggested parking most of our savings in the Vanguard Conservative Index fund where it made a small gain and seemed relatively safe. To-date our hard-won nest egg is now down about 6 per cent. With all the talk of impending doom we're now really worried about what to do now. Do we cut our losses and get the cash back into the bank and wait to buy in after the market tanks? Do we leave it in the fund where it is vulnerable to further losses? The last conversation with the FA did not enlighten us. Happy to hear the thoughts of other newbies.