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Market dips can rattle your 401(k), but smart moves now can protect your long-term goals — here’s what’s happening and how to stay on track.

Your 401(k) balance probably looks smaller than it did three months ago. If you’ve checked your retirement account recently and felt that familiar stomach drop, you’re not alone. The average 401(k) balance dropped 3% in the first quarter of 2025, falling to $127,100, according to data released by Fidelity Investments and reported by CNBC. Before you panic-google “how to move 401(k) to cash,”…