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Thanks everyone for your input, you all have given great insight. The person who took me into this policy was a friend of high school. Ina ny rate, I called NYlife and asked many questions. I told them that my agent told me that this is compounding and guaranteed, so what's the interest...

I appreciate all the quick replies. I got the exact sales pitch that you have mentioned. The allocations that the funds are split into Mainstay VPHI Td BD 25% Mainstay VP MC Value 25% Van Eck Wrld HA 25% FI VIP Mid Cap SC2 25% I have never changed nor done anything else with this except...

I appreciate the quick reply; I started the Roth IRA for the long run, but wow, all gone huh? So, it's either sell or hope for the great return right? I'm planning to stick with the same company and changing the allocations that I have currently, any advice anyone? Thanks.

I have a Roth IRA policy with New York Life since '04 and I've contributed close to $15,000. I checked my statement recently and the ending value was $11,000. Should I stop my contribution or keep on going? Is the $4,000 completely gone and I'll never see it again? Any assistance will be...