Dragged down to that because this is a bad year. Down years happen 27% of the time.
You do NOT invest to try to beat inflation. What are you supposed to do, just spend money on a bunch of stuff you don't need now because it will be more expensive later? You invest to have income when you are no longer working.
If you are still further away than 5 years from retirement, you should be putting 15% MINIMUM of your income into retirement accounts made up of diversified mutual funds (no bonds). You do this when the market is hot and when it is not. Twice monthly contributions like clockwork and you should NEVER miss a contribution.
Once you get to within 5 years of retirement, you have some decisions to make. You can either decide to go more conservative and add some bonds to your portfolio, OR stay more aggressive with stocks only and then build up an emergency fund of 3 YEARS of expenses so that when you retire, if the market tanks, you have money to pay bills with that doesn't require you to take from your investment pile. Might seem like a tall order to save three years of expenses, but you should not retire unless you have ZERO debt including a paid-for home (or equivalent extra fund that will pay for rent increases the rest of your life). 3 years of expenses for most retired people who retire with zero debt and a paid-for home isn't that much.
Anyway, stop being a baby. Don't get concerned about a down stock market. Means only that stocks are on sale. Buy baby, buy!