I want to convert my 401k funds to cash or equivalent funds. I am 68 and feel the market is heading for real trouble.

Your 401(k) plan most likely has an investment option that is a cash equivalent. Check with your plan administrator how to change the investments in your account to cash.

Alternatively - if you are retired you may want to consider a roll-over from your 401(k) to a rollover IRA. One advantage of doing this is you would probably find it easier to manage and would have more investment options.

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