"Should You Dump Your 401(k)?" is this week’s attention-grabbing cover of Money magazine. It’s enough to make plan providers quiver in their boots. After posing this startling question, the magazine says, no.

A major point is made of the fact that retirement investing should be done in macro terms, with your eye on the big picture and resisting temptations of the moment. According to the report, one must "keep in mind that over some 30 years of retirement investing, you'll ride out at least half a dozen presidential administrations, numerous economic cycles and, inevitably, hundreds of tax-law changes."

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