I've got a 25 year investing horizon, so I just left it in there and am not selling now.

We're getting a new retirement plan - a 401(k) to replace the 403(b). The organization is contributing 5% of salary, with no match required (replaces a 3% match) and there are some better funds available.

Problem is, I'm going to need to use the plan as collateral for a construction loan, and it has shrunk. I follow a model portfolio and DCA into that. But I need to point to cash. So right now I'm DCAing into a short-term bond fund. I own the lot outright, have no debt and have a very secure job. So I'll be fine. But the whole thing is still crazy.