<prompt> Human: I have a 401k with Principal through my old job and its in the 30 year plan assuming I will retire around 65. I am curious if I can control where the money is vested. For example, if I feel the market may crash soon, can I move the money to precious metals? or gold specifically?  <response>: Just because you can, doesnt mean that you should.What if you are no good at predicting crashes? 