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What do you mean by "Safe"? Investment has a risk of loss, its possible and highly likely that in the next 10 years your 401K will loose half or near half of its value. At some point it may rebound but markets move, sometimes a lot. Now if the question is will my 401k be confiscated by the government? Then probably not, but if things get bad enough many governments force citizens to buy government bonds with their pension investments so that's always a possibility but not likely in the next 5 years.