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Message:: [QUOTE="SilverSurfer, post: 983253, member: 21603"]Contact the 401K manager.  I don't know how yours works, but I can diversify mine and have done so a few time this year to avoid a double dip, as nobody really knows if we will have one or not.  I have bonds, TIPS, real estate, stocks (equities), commodities fund, and money market.  All of these vehicles have their own risks and rewards.  I've moved a lot of money out of equities and have moved it to the money market.  In the money market, I'm not making any money with interest rates as low as they are.  But, if stocks drop in a second dip, I can take all that money I withdrew from the market and buy back the stocks at possibly 60% of their max value, and ride the new bull market upwave after the crash.  Of course, I'm not making any money in the money market and if stocks climb instead of fall, I lose out.  But as someone else said, when dealing with your pension the key word is "safe." P.S.  I heard that argument about TIPS.  And I agree that the gov report of inflation is always under reported, but atleast TIPs have inflation protection.  If you had your money in bonds or real estate and we hit a period of high inflation, which vehicle do you think would protect you more.  After all, you have to put your money somewhere.[/QUOTE]