My husband started a new job and since there is a 401K with a match up to 5% we will take advantage of it. We are 60. Currently most of our retirement money is in investments not tied to the stock market, i.e. whole life and fixed annuities. I decided to pick the low cost Index fund options for the 401k and get some stock exposure (50% Large Cap, 30%Mid, 20%Small). Having lost in the stock market in the past, the thought then occurred to me to take the 5% and run, meaning just put it in the Stability of Principal account getting a guaranteed 1%, which would be guaranteeing us essentially a 101% return on the initial 5%. Your thoughts on these 2 strategies is appreciated.