Meh. My retirement fund is a 401k also, and I don’t dare look at it. Such is life. I’m going to watch for some good buying opportunities.
There is no sure bet. You’re on the wrong planet, perhaps the wrong universe, if you are looking for guaranteed security.
The stock market decline is simply a by-product of the underlying problems in the credit markets.
The problems in the credit markets will not simply rectify themselves.
There will be problems in the equity markets until there is a solution.