 But under the covers of those mutual funds lies stocks and bonds. Maybe you have a real estate fund in yours. My point here, folks, is the difference in a 401k and a pension, a 401k is 100% your responsibility. It's the onus is on you to make that thing work and last for 30 plus years in your retirement, not the corporation that you devoted your life to, not the corporation that you put all those hardworking years into.