Agreed. One bad year and everyone is running around saying it's the end of 401k, end of personal investing, etc. Have people forgotten that the markets will n

Agreed. One bad year and everyone is running around saying it's the end of 401k, end of personal investing, etc. Have people forgotten that the markets will not always increase? This is part of the natural investing cycle. In fact, the S&P 500 is already back to the levels it was in October and November of 2008. If you simply held your money through all of this you'd only be -38% and not the almost -50% of a few months ago.