The individual 401k plan is probably your biggest retirement asset but is neglected the most. The bull market that we are currently enjoying turned eight years old last March.  That has been a good thing for your 401k account.  The bad news is that the average length of a bull market is just under 5 years. A bull market behaves a lot like an escalator.  It climbs slow and steady over time. But bear markets behave a little differently.  They behave almost like an elevator.  They can almost free fall and have huge losses in short amounts of time. If