Agroed, i would cash in(and have)my 401k recently, but not for investing. unfortunately i had to pay for what was left after ins. for my rotator cuff surgery....and the 20wks. of rehabillitation. Mine was a self funded 401k though, as the last time my company was sold we had to sell off the 401k and reinvest in the new companies policy...so i just self invested with vanguard...anyhow, my ROI on the 401k was far less than my investments in stocks.. while i wasn't lucky enough to have enough discretionary income to invest back in 08, when stocks were super cheap i still managed to make roughly 58% gains on my financial stocks(of which i have taken the profits off the top because i believe we will have a market correction here in the next three months, and financials are overheated and have less than 7% to the upside shortterm.... I would do like others have mentioned... diversify into stocks, metals(silver is close to attractive for me to start buying again, it seems to have neared a bottom, platinum would be my next choice, as i do not see gold going anywhere anytime soon if the global economy continues to heat up.) if you look into financial stocks look into the smaller regional banks, i see a possibility for some consolidation to take place in the banking sector, and the small banks are still relatively cheap, but are vulnerable to takeover, and even a slight bump in the economy... As for the crypto-currency markets as a whole, Aside from BTC, the market as a whole is still in it's infancy....the risk is very high, but adversely the rewards could be phenominal... Aside from my growing SP here i am not currently invested in crypto yet.. the crypto market has to do a little bit of stabilizing before i'm willing to risk any serious amount into it. with the exchanges going down, troubles trading on one exchange(the one in which has steem paying highest atm..) halting trade of steem, and other things that keep the market unstable keeps the risk/reward ratio just a little too high risk for me atm....but i mean, if you got a little disposable cash lying around that you wouldn't miss if you lost it then by all means buy you a little bit of steem...