Building a solid and strong financial foundation for yourself and your future should be your top priority.  If possible since you are retiring and have no backup.  Think about it.  It's your failure, but if possible, while building your finances or ignore your investment returns, then focus on how to build your financial life by contributing and reaching a stage of perfection that meets your expectations.  This doesn't require much effort.  Just like climbing a ladder, success and financial experience diminish.  If you look carefully and set yourself up for a good future, it will help you build a financial life for yourself and your family.