How Can I Be Sure My 401(k) Will Still Be There For Me In Retirement In 30 Years? 
It 's a good question brought about by being pounded with doom and gloom that seems to dominate the media . The chances of what you think happening are pretty limited as there is much oversight of financial products here in the United States . That said , you can contribute up to the matching limit and go elsewhere to invest money for the future . The big thing is the future is coming whether you invest or not . When it gets here , you 'll have saved money or not . If you do n't trust your employer 's plan , and I am not saying that is crazy or wrong , do something else as an individual and get into the habit of saving . There are a huge amount of choices out there you can do . They all have different risks involved and tax consequences . Find what makes you comfortable enough that you will do it for the next 30 years . Cheers . 