Read fund prospectuses in your plan. Every plan has something. Some plans have better options than others. They have different names in each plan but look for keywords like money market, stable, interest. Then risk profile should appear low. Last years returns should be like 1-3%, ie pays nothing but loses nothing too. There are some that can return 5-7% if rates go up there. Or more if rates go higher.
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Did you lose a lot of money in the market recently? 😂😂
short it bro
Just max your 401k (20500) and fogedda bout it