[jdmichal]

You know at some point the 401k is supposed to be paying your bills, yes? That's its raison d'être. When you have investments paying your bills, you might understandably be focused on those investments yielding some immediate returns. Maybe to pay for that leaky roof, or broken down AC...

[emodendroket]

Why in the world would you have more than a token amount of assets in stock if you are nearing or in the middle of retirement?

[popinman322]

Any short term returns from the market should be remarkably small per individual managed by a firm. It's the long term growth that you're banking on when you prepare for retirement years in advance.