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Because she sounds a lot more scared that husband will give her grief over her "incompetence" than she does about losing some money. (And, as others have pointed out, she's got 25 years to retirement, so why the worry in that department?) LW, do you and husband have some sort of financial competition going on here? Is he trying to prove his conservative investing approach is "right"--and if so, why? As Cary implied, it sounds like you two have a bigger problem than your monetary losses. What do you care what he thinks about how you handle _your_ account? And if he's unforgiving or gloating, what does that say about your relationship?
