回复：如果他们投资失败，我的钱还能要回吗？

1.如果他们投资失败，我的钱还能要回吗？

Usually, the company will give you a few choices of funds to you to invest your 401K. It is you to decide which fund you want to buy. Therefore, the 投资失败 is not their problem.

2. 放在401K里的钱， 是不是一定退休时才可以拿出？如果我紧急时，我可以取吗？

Yes and No. You can take your 401K before retirement with 10% penalty and all the tax deferred. Some companies provide loan plans - in defined emergency cases, you can borrow money from the 401K fund you. You need to repay it in 5 years plus interest.

3. 我自己还没有买房，也打算买，那还要加入吗？

401K is a way of saving money for retirement, plus it provides some tax saving benefits. If you have very tight cashflow, you can put little money in it or no money (especially if there is no company match). Usually, when there is company match, people would put money in it in order to get the free company match money.

3.有没有房屋401K，比如我存钱，公司给我matchup，那有多好！

Yeah, right.