re: anybody worried about stock market going down tomorrow

This must be part of where I’m not explaining myself well, I’m not saying move to cash on a correction. I should have read the article first but I read all the comments first. It’s more of a sector rotation over time with protections on the (large) downsides in accounts you can control.

Your point is correct though, most 401k options kinda suck. Luckily a lot of companies are moving to brokerage windows. If you don’t have one, it’s a rotation amongst what you do have: stocks, bonds, cash, and maybe real estate in most accounts.