I get that this year is a drag but consider Bitcoin was up 468%(!!) in the two years prior to this year. That's 138% ann, 8x US stocks. That is sooo much excess return beyond normalcy (even for btc, thank you ETFs!). All that happened this year is you gave back a tiny bit of the excess. It's like your ice cream sundae now has 55 cherries instead of 60. YOUR FINE.(Eric Balchunas)