your retirement fund? do absolutely nothing, you are at extreme risk of selling low and buying high if you attempt to time the market. Just ride it out. That

your retirement fund? do absolutely nothing, you are at extreme risk of selling low and buying high if you attempt to time the market. Just ride it out. That 7% per year average return includes the years you make 15% and the years you lose 15%. in fact the next few months are probably a great time to sock away a little extra money in your 401k if you can afford it. Think of this as a 25% discount or match. This is not the end of the world, markets will come back in a year or two. If you needed the money in the near term and you were still heavily invested in equities, uh... that was a mistake. Daytrader? You do your thing.