yep, that's the tough spot. the people that are about to retire and watching their investments plunge. sure all the value will come back by staying in (not selling and locking in those losses)...but it might take a few years.

last year i was happy with my return in my 401k and i rebalanced heavily in bonds, missed on some earnings since but all that has been retracted now. waiting for the bottom and then everything back into the aggressive funds...probably bump my contributions up significantly too.