It's still very confusing as to what to do with 401K accounts. Many of us have lost a ton of money. I remember in 2008 everyone taking their funds out of stock market and then being really sorry that they did because everything climbed back up. In order to convert it to metals and not have it taxed, you don't have it in your possession like they say you need to. Then you get a huge loss with taxes. It's very confusing times. I have had to hit my retirement accounts just to survive and hate seeing everything dwindle before I am ready but this is what they do. They truly have never wanted us to have wealth or prosper from our hard work.