If the stock market is doing good, why would you reduce the contribution to your 401K?  I assume the 401K has stock based fund choices.  Also, if the stock market is doing good, why would you move your money (from an investment that you did not mention:  stocks?  bonds? money market) to a money market?  You need to clarify your statement.

哦,知道了!

my current holding of 401k: all funds are stock funds. no bonds, no money market. (well, funds all have certain percentage of cash, let's ignore that)

My stratege of 401k: i increase the contribution rate when the market is low, and decrease the rate when the market is high. i am expecting the market to correct some where around the end of next week. and i am very happy with my return this year, for me it is time to lighten up.

this is a temporary move, my goal is to move all money from money market back to funds when the correction is over. i am not sure how big the upcoming correction will be.

I increased my contribution rate to max from June to now, i had a very good return so far, things are too good now. it is just not gonna last. 

以下是引用feather在2006-10-13 17:02:00的发言：
That's probably a good idea...But most broker probably have a limit so that you can't move your money in 401k too often. Mine says once every three month

actually this will be the first time i move. i don't think it is a good idea to move often. the fact is, it take the market only a few weeks to drop, then take months to climb back. so i think at most twice a year. May 2006 my personal account i move to 95% cash one day before the big correction, but i didn't do anything to the 401k as all the funds i have do have either front or back load. i later found out that for company 401k those loads are waived. so this time I will move ahead of the correction to avoid the the hit.

WE JUST SOLD ALL OF OUR STOCKS.