So do we jump back in the market with our 401`s?

[Xyzse]

49. NO!

You do not want to mess with your 401s.
G'ah, I am scared when that mess will come up and it will come up within the next 15-20+years.

401s as is are heavily hit by fees and other charges that can take up to 30% of the actual value or more.
Then they want to set this up so that people can use money to be invested in by Private corporate banks? It is a recipe for disaster and speculation.

As is, most of the money are already up top and as such not circulating in the greater economy. That money needs to go somewhere and is used for trading, and more likely than not, speculation. This then creates bubbles, which improves growth of the economy in regards to money made, but it doesn't mean a richer society, just an ever increasing siphoning upwards.

401s I guess are a means to an end. It is still one of the viable investment strategies even if I don't particularly trust it.