You’re trying to do everything right. You started saving in an investment account. You did some research and have a reasonable asset allocation. You stopped putting all of your 401(k) into your employer’s stock (...you did stop that, right?) and you’re starting to accumulate something significant. It feels good, until one day you hear the stock market is starting to sell off. The market keeps going down and your friends and co-workers are starting to talk about it. Perhaps the term "bear market" is being thrown around. You start checking out financial media sites...every day. People start talking about the “trades” they’re making. How they are putting all of their 401(k)…