Whats your problem? Look in the mirror. You dont know what you are doing?The stock market has been rising for the past four years so you should have gain money. Every time you lose money, you readjust,retirement savings is for your retirement so stop watching the account every second. Put it into a target year account that you are going to turn 65 for example retirement 2045 fund' or 'retirement 2050 fund' and move on with your life. Money within a 401k can not be touched until 59 1\2. Maybe you should get a Roth IRA. You can withdrawal the contribution but not the earning within a Roth IRA(after a time period) hope this helped

Take Care.......

I'm not sure how exactly your 401k could be down from 4 years ago till now. That's pretty impressive. You must have the worst investments in the world.

My 401k has more than doubled since then - 2010. And up hugely since the spring of 2009 (and the end of the great recession). And I've just got a middle of the road portfolio, with mostly index funds. S&P500 index, mid/small cap index, international index & a bond index.

Can I pull the money out? No, but you can likely put it in a safe money market. Also if you're getting a match, why would you want to pull the money out?? If you withdraw the money I suspect the match will stop.



Play it safe if you like, but don't plan on having a lot for retirement if you do this.

Investments such as an IRA or 401(k) are very long term investments and you should never judge what they do over the short-term. And always contribute to your 401(k) up to the company match because that is free money right from the beginning. If you are not satisfied with the performance or choices in your 401(k) invest up to the match then start putting money in a ROTH IRA until you max that out. Then if you still want to invest open a brokerage account with a discount broker.

you can't pull your money out without a penalty. If anything, I would just have it sit in the least risky account or money market (if avail). At least having an employer match is better than getting nothing at all.

I am putting in 400 a month in my 401k along with my employer match. I'm running the numbers and I'm losing money. I've diversified and readjusted. Nothing is working. I've come to the conclusion the stock market is not a safe investment. I've currently stopped contributing 2 weeks ago and sure enough my 401k has dipped $530 since then.

I'm aware there are gains and loses but my math shows a trending downward loss overall since starting it 4 years ago. In fact I should have more than double if I just put that money aside.

So my question is what do I do with my nest egg? Can I just let it sit in limbo or do I watch all my earnings slowly disappear over time? Can I pull the money out?