so let me ask you this...if i got over 40k in my 401k...where the heck do i invest it in?...im afraid to loose money, would that put me in moderate or something?...i have been afraid to put it anywhere, when i started my 401k everyone was loosing big money...i know im stupid for not changing it, but it has been getting some interest...now my company starting this month is matching 3.5% of my pay instead of 500 bucks a year...im going to bump it up from 7% of my pay to at least 12% we will see if i can afford 15%...but with the chance of loosing money, it scares me...is this normal...i dont know jack about 401's...c