I haven't touched mine. I fortunately have the luxury some of you don't. I am only 23. However, since I am single and make a decent living I have maxed out my 401k per year. I am running right now about 80% stocks and 20% bonds. My stocks are mostly aggresive european but then the investments do tail off to more mild and less risky stocks and then bonds...I'm not touching mine. I'm going to leave it where it is for now, and reasses the situation at 30. Then 40.

Luckily my mother has spent teh last 25 years doing retirement planning, so I don't have to pay anyone to get the good info.

Good luck to everyone who has taken a hit in the past months. Rebound is coming.