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What I don’t understand and worry with Vanguard is that, if the economy tanks like more and more economists are saying, then, just like in 2008, I’m going to lose. I don’t have any confidence in this economy.

And then, as long as you don't sell when it's down, it's likely that, just like since March, 2009, it will come back up again.

Or, as suggested, Vanguard has investment advisors that you can use

Or if you have access to Vanguard actively managed balanced funds in your 401(k) (here's a list: ) you could buy one of those. I would suggest reading all of the information about the funds, including information about the strategy and management, and checking the performance in the 2008/2009 timeframe to see if you would have been okay with that. For instance, the Vanguard Wellesley Income total return lost 9.79% in 2008 That compares to the Vanguard Balanced Index fund, which lost 22.12% or the Vanguard Total Stock Market fund, which lost 36.99%

Or, as also previously suggested, most 401(k)s have a guaranteed income type fund. Of course, with that, you would probably lose to inflation.

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