You cannot report a loss of value in a retirement account or other investment accounts unless these become totally worthless. If you try to factor this into to your return, it is incorrect. It may be a vicious cycle but you still need to pay tax on the interest and dividends that are reported as being paid to you from your retirement account.
When you say when you put the losses in the area you mentioned, are you talking about the loss in value of your retirement account? if so, you may wish to remove it in case if you are audited for reporting this.
In answer to your question about the amount changing in your return, if you had a capital loss in your return, it is only limited to $3000 this year and the remainder is a carryover indefinitely until it is used up. You may have already reached that threshold of the $3000 capital loss before you entered the loss of value of your retirement account thus you would not experience a change in your return. just a larger capital loss carryover to be applied in future years before being used up.
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