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Message: <blockquote data-quote="emapples" data-source="post: 3891088" data-attributes="member: 11752"><p>Do the math, if your company is matching your input you are still gaining?  The marked is down like 25%?  If you put in 5000 and they put in 5000, thats 10,000 less 25% thats 7500 (still more that than the 5000 top put in?). If your 401K allows you to rebalance you rebalance into the lest volatile stuff for your nest egg and keep you contributions in the volatile stuff, then in 6 months rebalance back into the volatiles stuff.  I have most of mine transferred into ira’s with about 10% in a current 401k.  So with an IRA its really easy you can sit in cash as I am now , but always take the free matching money from your employer It part of your payment package.  Some companies even add more to the 401k on a profit sharing system.</p></blockquote><p></p>