[quote=scaredyclassic]if I had a million in a 401k, id assume it would be half a million in 6 months. then id halve that aagin just to be safe. its hard to relax when you keep looking at the steep downside.
[/quote]

Most 401K plans offer money market and stable return options.

If you are risk adverse (and from your postings you are, scaredy!) then those are probably the right choice for you.