One option is rolling it over into an annuity, that let's you experience the market upswing but not the downside. It guarantees the principle from loss and provides an 8% bonus on the roll over balance. Again, it is one option!
http://online.wsj.com/article/SB10001424052970203806504577182912390576168.html?mod=WSJ_RetirementPlanning_MoreHeadlines
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