The investment portfolio goes up and down during the course of the journey. It does not matter to the passive income investor who ploughs in his/her fund on a regular basis. In time to come, the market value of the investment will eventually stabilise and even itself. I do not bother of the prevailing value of the investment portfolio and focus on the generated dividends. I am fine when the generated dividend from the investment covers my expense. The rest is secondary as per my perspective. One will be more pragmatic focusing on the activities of personal interest instead. This is what one will expect to have and enjoy the moment as the fruit of achieving FIRE.