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How do I keep my 401k safe from the inevitable crash?
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this post was submitted on 19 Jun 2026
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askchapo
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Leave it in the index funds if you're more than 10 years away from needing it for retirement. You can use target funds to automatically dial back the risk as you get closer to retirement. But if you're awhile away from retirement, they'll be invested in stocks anyhow.
There's a decent chance that it will get cut in half at some point, and then rebound. And it will rebound because the people who have the power to shape the direction of society will guarantee that asset prices stay high, even if it fucks up a lot of other stuff in the process. And so weirdly, your 401k and IRA investments are probably one of the safer ways you can store any accumulated wealth for the long run.
If the line does not go up long term, that's probably an indication of a fundamental crisis in capitalism, and all bets are off. But I don't think it's wise to count on that, for better or worse.