One thing to consider. When the stocks that are part of a mutual fund drop… then your retirement contributions will be buying them on sale.
Assuming the mutual funds are spread out to minimize risk (1 of the funds companies folds, etc) overall you’ll be better off long term.
As you age you’ll start moving your investments to more stable options (talk to a financial adviser on the specifics for your plans). This way they that won’t benefit from huge gains but also are a lot less likely to be wiped out by massive drops.
In the meantime look at how your funds are doing over time. Not even year to year but maybe every 2 or 3 years.
There was something in the manual if I remember correctly. Which you wouldn’t necessarily have if you rented the game.
Edit: just checked and I was wrong. Nothing in the manual. I must have been thinking of another game.
https://www.gamesdatabase.org/Media/SYSTEM/Nintendo_NES/Manual/formated/Castlevania_2-_Simon-s_Quest_-_1988_-_Konami.pdf