Are you guys putting all the money in 500 index funds or diversifying it by having mid/small cap, speciality and bonds.
Looking at stocks growth this year, are you changing your strategy and moving out of equity and become more conservative.
This year it's been just <3% return for me.
If you are on a 30+ year horizon and getting out of stocks / going more conservative.. then IMO you dont know what you're doing and should talk to an advisor at VG or Fidelity or whomever your 401k provider is. Market goes down, I buy more. Look at VTSAX returns YTD... lot better than 3%