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A semi-contrarian reply to this thread:

I agree that the Wise are not always wise, and one must look deeper into 401(k) plans than the surface to see what the real costs are.

With that being said, there are many Foolish plans that are down or even in the past year, or since the first of the year. One must realize that retirement investing is for the long run, and the stock market does not always go up. Example: S&P 500, Feb 1, 1998--about 1000. Sept 1, 1998--about 1000.

If your coices are good, and you are not gouged by expenses, glory in the fact that you are buying more shares each paycheck than if the price were higher. After all, you are not spending the money yet.

On the other hand, if the drop in your account value is causing you to lose sleep at night, you have too much money inequities, and may have to forego some (possible) gains in equities for the peace-of-mind of other investments.

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