Actually, there are two silver linings.
The first is for those considering converting a Traditional IRA to a Roth IRA. As you know, any amount that you convert will be taxed. If your Traditional IRA balance is down, you can convert to a Roth without selling those assets, pay the tax on the lower balance, then wait as the markets recover with the assets in an account with tax-free withdrawals.
Second, if you are currently adding to your accounts regularly, history indicates you will have been able to buy on sale. When accumulating assets for the future, the name of the game is to get as many shares as possible. By investing a regular amount of money at regular intervals, you are able to do so. More shares should equal more income during retirement.
