I switched everything over in my 401-k to guaranteed about a year and a half ago. I can't dabble with anything in the stock market for two years after this move the way ours is set up. Like I said that was a year and a half ago and it looks like I made a decent decision. I'm not making a whole lot but I'm not loosing my shirt either. There are fellas over here at work that have lost 10's of thousands. I had to stop the bleeding I couldn't stand it. And with the moron we have in office now it's not gonna get better anytime soon.