Reminds me of the conventional wisdom imparted to us in one of our company's HR presentations for its retirement fund programs.
The stock market fluctuates, going up and down every day, even every hour and several times an hour. However,
overall the market goes up. If you react to every single fluctuation, you'll be buying and selling constantly (and each transaction costs a fee, if I recall correctly). But if you just sit on it and ride out those fluctuations, then it will increase, as a general rule.
Similarly, when it was finally offered, I bought into 401(k) contributions, increasing them as my pay increased until I was finally making the maximum percentage contribution. Then I just ignored it for the next 22 years. I didn't look at it until I was nearing retirement and I was surprised to see that it had increased forty-fold, leaving me much more than comfortable.
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