had ANY stability, it would be wonderful, kind of like fantasyland. But it dont. If you play the rebalance, diversify, dollar cost avg game you wont lose 80% but maybe 60%. You have a good job, some nice change left in your 401k, salvage one. Dont get double dipped and lose both. If you have 500k in your 401k dont let it be 32K and no job 2 years from now. If you think you need VNQ to beat inflation, you have a hole in your head. Save enough money so you dont GAMBLE money like this.