It's certainly a risk. If you were exploiting some unpopular loophole then there's an excellent chance that the regulations will change in the future. But the 4

It's certainly a risk. If you were exploiting some unpopular loophole then there's an excellent chance that the regulations will change in the future. But the 401k is so widely used and promoted that any major change would be highly scrutinized and incredibly controversial. I think the US defaulting on its debt is more likely than a change to 401k rules that would screw over savers. Ultimately, if you don't want the government to have any ability to affect the value of your investment then canned food and ammo are the only asset classes you're left with.