Employer contributions in the form of company stock can pose some liquidity issues, but it can also be a nice benefit.
If the matching contribution to your 401(k) is made in company stock, you have to weigh carefully your overall exposure to the financial well-being of your company. You are already receiving the current income (salary) from your employer.
You may also have taken advantage of an Employee Stock Purchase Plan (ESPP) or Employee Stock Ownership Plan (ESOP) outside of the retirement plan. Therefore, you might already have a lot riding on the stability of your company.
Carefully analyze your exposure, and consider selling the stock of your company in your 401(k) if you find your exposure excessive.
Lockdowns and blackout periods are times when the company will not allow employees to trade their shares of company stock. It could be that all employee’s shares end up on lockdown at the same time that the company share prices are doing a swan dive.
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The worst day for the markets, in terms of the largest single-day point loss by the Dow Jones, was September 29th, 2008