Bump. I'm in the same position as you. Started up a 401k & Roth IRA almost 20 years ago and have a sizeable amount saved up. I'm in my 40s now and worry about the market taking another 2008 or worse dump, or something else happening to my money. I recently left my last job and have the option of either leaving everything in my old account, rolling it over in to my new companies 401k, or rolling in to my own IRA that I have more control over.
OR, is the sky falling and should I take some out, suffer the penalty and pay the taxes, and put it in something else? I'm just not a financial guru. But I am worried about what' I've got saved up so far being reduced to nothing if the current bubble inevitably bursts.
OR, is the sky falling and should I take some out, suffer the penalty and pay the taxes, and put it in something else? I'm just not a financial guru. But I am worried about what' I've got saved up so far being reduced to nothing if the current bubble inevitably bursts.