Forget the 401k and buy real estate and buy and sell those fixer uppers, you're a handy girl. or better yet get in with Ck and buy a barask the Taxman about it. All I know that no matter what playing around of funds that I did my 401k lost money for almost 24 months, this last quarter was like the first time that things appeared on the upswing. I know, " Pauli's Shore Bar" woo hoo!!