I do monitor mine quarterly with the market conditions, I cashed out to money market when dow was 14000 and got back in when it was 9500. I think this is a great article for people who don’t monitor their 401(k) much. BTW, it’s still your money. Yes, the people who manage 401k and mutual funds, they pay themselves well regardless our accounts make money or not. Take charge of your accounts once in a while, it does pay off.