Not sure how many people still visit this site anymore.Was quite busy up until the crash.As for me I've become very disenchanted with the stock market.Starting to think it's one big Ponzi scheme.I Just put everything in the G fund.If you ask me I think the whole 401k idea has been a failure.Seems the only winners are the big shots on Wall Street.All I can say is for those nearing retirement is be very careful.