{"id":27658,"date":"2024-05-17T04:14:31","date_gmt":"2024-05-17T11:14:31","guid":{"rendered":"https:\/\/goldco.com\/?p=27658"},"modified":"2025-01-13T13:27:32","modified_gmt":"2025-01-13T21:27:32","slug":"recession-horizon-can-protect-401k-assets","status":"publish","type":"post","link":"https:\/\/goldco.com\/recession-horizon-can-protect-401k-assets\/","title":{"rendered":"With a Recession on the Horizon, How Can You Protect Your 401(k) Assets?"},"content":{"rendered":"<p>The stock market bull run of the past few years has created <a href=\"https:\/\/www.washingtonpost.com\/business\/2024\/02\/28\/401k-millionaires-club\/\" target=\"_blank\" rel=\"noopener\">more than a few 401(k) millionaires<\/a>. But with economic headwinds increasing, many are getting nervous about just how long they\u2019ll remain 401(k) millionaires.<\/p>\n<p>Individuals who have made lots of money in recent years are aware that a stock market crash could wipe out their wealth just as easily as the bull market grew their wealth. And many of those who remember 2008 are worried that the next crisis could be just as bad as 2008, or even worse.<\/p>\n<p>The financial crisis saw many people lose significant portions of their assets, assets they had worked years or even decades to build up. Many lost over half their savings as markets plummeted as a result of the financial crisis.<\/p>\n<p>Those individuals don\u2019t want to see a repeat of 2008, and they want to do anything they can to avoid making the same mistakes. But with so many asset options out there, what\u2019s the best way for people to protect their 401(k) assets from losing value in the coming years?<\/p>\n<div class=\"epyt-video-wrapper\">\n<div  id=\"_ytid_98944\"  width=\"800\" height=\"450\"  data-origwidth=\"800\" data-origheight=\"450\"  data-relstop=\"1\" data-facadesrc=\"https:\/\/www.youtube.com\/embed\/l3xz5NKZ07U?enablejsapi=1&#038;autoplay=0&#038;cc_load_policy=0&#038;cc_lang_pref=&#038;iv_load_policy=3&#038;loop=0&#038;modestbranding=1&#038;rel=0&#038;fs=1&#038;playsinline=0&#038;autohide=2&#038;theme=dark&#038;color=red&#038;controls=1&#038;\" class=\"__youtube_prefs__ epyt-facade epyt-is-override  no-lazyload\" data-epautoplay=\"1\" ><img decoding=\"async\" data-spai-excluded=\"true\" class=\"epyt-facade-poster skip-lazy\" loading=\"lazy\"  alt=\"YouTube player\"  src=\"https:\/\/i.ytimg.com\/vi\/l3xz5NKZ07U\/maxresdefault.jpg\"  \/><button class=\"epyt-facade-play\" aria-label=\"Play\"><svg data-no-lazy=\"1\" height=\"100%\" version=\"1.1\" viewBox=\"0 0 68 48\" width=\"100%\"><path class=\"ytp-large-play-button-bg\" d=\"M66.52,7.74c-0.78-2.93-2.49-5.41-5.42-6.19C55.79,.13,34,0,34,0S12.21,.13,6.9,1.55 C3.97,2.33,2.27,4.81,1.48,7.74C0.06,13.05,0,24,0,24s0.06,10.95,1.48,16.26c0.78,2.93,2.49,5.41,5.42,6.19 C12.21,47.87,34,48,34,48s21.79-0.13,27.1-1.55c2.93-0.78,4.64-3.26,5.42-6.19C67.94,34.95,68,24,68,24S67.94,13.05,66.52,7.74z\" fill=\"#f00\"><\/path><path d=\"M 45,24 27,14 27,34\" fill=\"#fff\"><\/path><\/svg><\/button><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p>Here are <strong>three things to think about<\/strong> when it comes to protecting your 401(k) assets.<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-42953\" src=\"https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/401kContribution800x450.jpg\" alt=\"money contributed to a 401(k) account\" width=\"800\" height=\"450\" srcset=\"https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/401kContribution800x450.jpg 800w, https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/401kContribution800x450-300x169.jpg 300w, https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/401kContribution800x450-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>1. Don\u2019t Stop Contributing to Your 401(k)<\/h2>\n<p>Many people who contribute to 401(k) accounts may think that cutting off their 401(k) contributions during a crisis might help them financially. But that isn\u2019t necessarily the case, so if you\u2019re still working and contributing to a 401(k) plan, it\u2019s important that you not stop contributing to your plan, with a few caveats.<\/p>\n<p>We\u2019ll assume that, like many Americans, you have employer matching contributions. We\u2019ll also assume that your 401(k) plan offers asset options that aren\u2019t limited just to funds that hold stocks.<\/p>\n<p>Because of employer matching contributions, you essentially get free money. In many cases that can double the amount of money that you\u2019re contributing to in your 401(k) plan.<\/p>\n<p>By pulling back on your 401(k) contributions you could be putting those employer matches at risk, costing yourself a lot of money. You would essentially be leaving money on the table.<\/p>\n<p>Most 401(k) plans offer a variety of options in funds that hold stocks, whether that be large-cap, mid-cap, or small-cap funds. But many will also offer options with bond funds, money market funds, etc.<\/p>\n<p>If your 401(k) plan offers those, especially money market funds, those can be a useful place not only to store your existing 401(k) assets until you decide what to do with them but also to place your future contributions, at least temporarily.<\/p>\n<p>Many people have a tendency to buy high and sell low. It\u2019s one of the types of behavior that you see a lot during speculative manias, stock bubbles, and then stock market collapses.<\/p>\n<p>People get sucked into the market when prices are nearing all-time highs, thinking growth will continue forever. Then when the collapse comes, they get disillusioned, think they\u2019ve made a mistake, and sell out at the bottom.<\/p>\n<p>What they need to do is get out at the top and get back in at the bottom. But that\u2019s easier said than done, and it requires both diligence and control over fear that not many people have.<\/p>\n<p>That\u2019s why continuing to contribute to your 401(k) but placing your assets into safe havens is comparatively easier. In doing so, you can miss out on big losses, maintain your wealth, and position yourself to come out safely during the upswing.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-42954\" src=\"https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/MarketVolatility800x533.jpg\" alt=\"the ups and downs of financial markets\" width=\"800\" height=\"533\" srcset=\"https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/MarketVolatility800x533.jpg 800w, https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/MarketVolatility800x533-300x200.jpg 300w, https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/MarketVolatility800x533-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>2. Reduce Exposure to Volatility<\/h2>\n<p>Market timing is notoriously difficult, and in many cases picking both the top and bottom of a market cycle has more to do with luck than skill. And that\u2019s why reducing your exposure to volatility can be helpful.<\/p>\n<p>Many individuals start seeing stocks decline and think that they\u2019ll recover. Only when it\u2019s abundantly clear that markets are in a nosedive do they finally accept the reality that their stocks won\u2019t recover. And then they make the mistake of selling at the bottom, locking in losses and missing out on the gains that occur from a rebound.<\/p>\n<p>The temptation to wring every last penny of gains is a great one. But sometimes you have to know when to minimize your risk and your exposure to volatile financial markets.<\/p>\n<p>Sometimes sitting things out or remaining on the sidelines can be the better choice. And when things start to look risky, as is starting to happen today, that could be the right time to start thinking about reducing your exposure to volatility.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-42955\" src=\"https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/PortfolioDiversification800x533.jpg\" alt=\"diversify your portfolio\" width=\"800\" height=\"533\" srcset=\"https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/PortfolioDiversification800x533.jpg 800w, https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/PortfolioDiversification800x533-300x200.jpg 300w, https:\/\/goldco.com\/wp-content\/uploads\/2019\/12\/PortfolioDiversification800x533-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>3. Diversify Your Portfolio<\/h2>\n<p>One way to reduce your risk exposure is to diversify your portfolio so that you aren\u2019t overexposed to one particular company, sector, or region. In other words, don\u2019t put all of your eggs in one basket.<\/p>\n<p>For many people this has traditionally meant that they own a mixture of stocks and bonds. When stocks are booming they increase their holdings of stocks, and when stocks decline they increase their holdings of bonds.<\/p>\n<p>But what happens when both stocks and bonds decline? We saw that most recently in 2022, as both stock markets and bonds markets saw large declines.<\/p>\n<p>With the performance of financial markets being highly dependent today on what the Federal Reserve ends up doing with regard to monetary policy, decisions have to take that into account. And with the Fed now having to decide between cutting rates or keeping them elevated for longer, no one really knows how markets are going to react or perform over the next few months, let alone the next few years.<\/p>\n<p>That uncertainty about the future is alarming to many Americans, and understandably so. And that\u2019s why so many people are starting to diversify their portfolios with gold.<\/p>\n<p>Gold has a long history as a safe haven asset and store of value, as well as a reputation for maintaining value through both good times and band. Millions of people rode out the 2008 crisis watching their 401(k) balances plummet, all the while watching gold rise in value.<\/p>\n<p>Even in the aftermath of the crisis, gold continued to grow, setting all-time highs in 2011. After seeing that performance, many people undoubtedly vowed that the next time around they would purchase gold to protect their assets, and so they have.<\/p>\n<p>With a <a href=\"https:\/\/goldco.com\/gold-ira\/\" target=\"_blank\" rel=\"noopener\">gold IRA<\/a>, you can even roll over or transfer assets from existing 401(k), 403(b), TSP, IRA, or similar accounts into gold tax-free, allowing you to protect your current retirement savings while still benefiting from the same tax protections that you would enjoy with any conventional IRA. That can help you protect your assets without having to worry about taking a huge loss from markets plummeting or a huge tax hit.<\/p>\n<p>If you\u2019re worried about the coming recession and want to protect your 401(k) assets, now is the time to start thinking about that protection. Waiting too long puts you at risk of losing significant amounts of money when the recession finally hits.<\/p>\n<p>Don\u2019t leave your retirement savings at risk \u2013 make the first moves to start protecting your assets today, before it\u2019s too late.<\/p>\n<p><i>This article was originally published in December 2019 and was updated in May 2024.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The stock market bull run of the past few years has created more than a few 401(k) millionaires. But with economic headwinds increasing, many are getting nervous about just how long they\u2019ll remain 401(k) millionaires. Individuals who have made lots of money in recent years are aware that a stock market crash could wipe out [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":32493,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[213],"tags":[1014,921,645],"class_list":["post-27658","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","tag-401k-rollover","tag-portfolio-diversification","tag-stock-market-crash"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>With a Recession, How Can You Protect Your 401(k)? &#8211; Goldco<\/title>\n<meta name=\"description\" content=\"No one wants to see a repeat of what happened in 2008. 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