Hi Colini, all investors are in the same boat as you. Equities have taken a real knock over the past 12 months, but your decision will ultimately be decided by how long you can afford to invest your money for. If you need access to your cash now it's probably wise to withdraw your money, but if you can afford to keep it invested over the next five years you should leave it invested. Historically equities have always outperformed cash, so if you have the stomach for a rollercoaster ride you could be rewarded for sticking to your guns.