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Is this your IRA account this holiday season? Let’s assume as an investor you had $100,000 in your IRA account a few months ago. Today, if your investment was down 10 percent to $90,000, you'd need to earn 11 percent to get back even.

If your investment was down 20 percent to $80,000, you'd need 25 percent to get back even.

If your investment was down 30 percent to to $70,000, you'd need to earn 43 percent to get back even.

If it was down 40 percent to $60,000, you'd need 67 percent to make par.

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