(Money Magazine) — Welcome to the Olympics of investing. Unfortunately, you are not a spectator. The S&P 500 index of large-cap stocks has lost more than 40% since November 2007, and about $2 trillion in value has disappeared from investors’ 401(k)s and IRAs, according to the Center for Retirement Research.

So you probably don’t feel that you have much chance of taking a victory lap. But if history teaches us anything, it’s that the sweetest victories are won in markets just like this one, even if it doesn’t seem that way at the time.