With employer matching, you get a return that is worth the risk, IMO.
There are relatively risky and relatively safe options within the 401k, but all of them have the risk of being in the 401k container and thus subject to Uncle Sam's sticky fingers.
The two primary systemic risks are nationalization, where the government "borrows" a portion of all 401k accounts, and tax increases upon withdrawal.
Within the 401k, your safest options are usually money markets or very short-term bonds. It's a matter of time until the entire world defaults, and the longer you wait for people to pay you back, the more likely you are to be screwed out of your investment.
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