Your company sponsored retirement plan is not working as you hoped it would since you enrolled many years ago. Your investment returns and growth of your retirement plan has not kept up with the annual investment returns in the U.S. stock markets--even with the addition yearly contributions from both you and your company. And you are closer and closer to retirement age. In recent years, you have been tested in your capacity for the stock market risk you take with your retirement money like no other time in history. And that trend is likely to continue. Don't continue to ride the stock market...