I'm relatively new to this forum, been perusing for some time. Not sure if this is the appropriate section though. I always wanted to do my own thing and trade the markets when I had enough money, and self education, to do so but right now I'm stuck with a 401k that provides me essentially nothing to choose from to diversify my retirement. I don't have any idea how I can make this work. I might as well pull all my money take the hit on the tax penalty and risk investing it and all future income I allocate to retirement the way I want. Bond ETFs are pretty much pointless now, stocks are going to hit the fan when Ben flips off the switch on the presses. Emerging markets? What emerging markets? Sigh. Here's what I'm dealing with for choices: CRMMX CRM Mid Cap Value Inv Fund CYLRX Columbia High Yield Bond R3 FNITX Fidelity Advisor New Insights T Fund IPTSX ING PIMCO Total Return Port Srv IRMGX ING Retirement Moderate Growth Portfolio Class ADV IRSSX ING Russell Small Cap Index Port S LZOEX Lazard Emerging Markets Equity Open MVRRX MFS Value R2 Fund RERCX American Funds EuroPacific R3 STIRX Pioneer Strategic Income Fund R I've been doing well so far this year but I can't see any of these choices being a safe haven to fight the reversal that is inevitable that is coming soon. I'm not as researched as many of your are with regards to, well, everything. I'm not a day trader like you guys. Am I over reacting here?