>>8
Oh, yes... you 401k guise get shafted yet again, but didn't you learn anything from Enron? Think of it as yet another wake up call: don't literally gamble on your future.

Capital reinvestment is for money you don't need to survive, retirement included: if you can't afford to reinvest, don't, you always end up worse off in the long run. Always. Same goes for 401k: you can't rely on it at all, so don't.