"has anyone actually cashed in their 401K's/IRA's etc, due to recent losses/concerns"I would say that the current 5000 point drop in the Dow is evidence that some have indeed cashed in their equities.I, too, believe that my current position is a result more of luck than investing skill. I increased the size of my IRA more than tenfold with a single investment in the late nineties (DELL).More recently, I have put my IRA funds in broad based index funds with Vanguard. My current target allocation is 80% equities, but that does not count a ten-year pile of cash (mostly MMFs and CDs) that I hold in reserve to supplement our current government pensions and my future SS.I will turn 60 next summer and I hope the cash will be enough to get us through the current downturn. If the downturn turns out to be longer or even permanent, then we are prepared to downsize as needed, not that we live above our means currently.I rebalance my portfolio every January, so I will see what happens over the next few months and decide if I need to back off my equity allocation at all. So far my risk tolerance seems to be holding up.Good luck to you and all of us.-drip (down about 21% year to date)
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