<prompt> Human: Right now, a lot of commentators are saying the economy is going through a bubble similar to what happened in 2008. When the market crashed, people pulled their money out of their stocks and stock prices dropped. Since most 401k are mutual funds of mostly stock, most people lost 30-40 of the value out of their 401ks. So I have questions to PF, assuming I knew a market crash was imminent. What things can I do to protect our employer 401k? Is it smart to move our vested balances out of mutual funds and into safe stocks using an IRA? Should I take that money out and invest it in tangibles that increase in value? Would it be smart to loan yourself out of your 401k to invest in tangibles that increase in value and pay back the 401k?I dont know enough on how 401ks work to answer these questions.Obviously any investment professional arent of much help. They always say the same crap, the market goes up and down but in the long run it is up. Just give us more money. Are there other professionals that I can talk to do hedge against a market collapse?  <response>: assuming I knew a market crash was imminent.You cant. You are trying to time the market. You cant time the market. If you are really worried about a market crash, and are willing to miss out on higher returns in exchange for peace of mind, you can reallocate your funds inside your 401k to a higher percentage of bonds rather than stocks. 