[BurningFrog]

You can move your 401k money between several funds at any time.

[chasd00]

Exactly right, there's even ones so conservative they market themselves as cash equivalent. Basically zero gain/loss in those funds. If you're so worried then go login to your 401k and change it.

[dabidab]

“Basically zero gain/loss in those funds”

Right so what’s the point then? Doesn’t that prove the point: zero gain/loss with a 10% withdrawal penalty to boot.