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But the advice on whether or not to take out money from your account before retirement age has not changed; don't touch it.

Experts say you risk paying tax and a penalty on your withdrawal.

"The short-term fluctuations are sound and fury that signify nothing," said financial planner Lewis Altfest of L.J. Altfest & Co.

However, should you continue to contribute during all this uncertainty and upheaval? Experts NY1 spoke with, including Altfest, say yes.

First, your contributions are not taxed, a perk many savings plans do not offer. Additionally, most employers match a part of your deposits.

After all, a 401K, is a long-term investment.

"It's an excellent time to put money in your 401K because the markets are weak," Altfest said. "The markets are not going to be weak forever."

Joe Light of Money Magazine says while it may be hard to look at all the red now, you still have many years of market growth, even when you've reached retirement age.

"When you retire, you're not withdrawing all your money at once," said Light. "You still have 20 or 30 years of growth that you can take advantage of in stocks."

Experts advise against timing the markets. They say it's pretty much a fool's game.

Stay consistent with your contributions, they say, and be sure your asset allocations are balanced once a year. They should match your risk tolerance and age.

"If you're in your 20s or 30s and you don't have 40 or 50 years until retirement, you should have at least 80 to 90 percent of your money in stocks," said Light. "The remaining 10-20 percent should be in bonds. Once you hit your 40s, you can have about 70 percent in stocks, and 30 percent in bonds. And in your 50s and 60s, you can move to about 50 to 55 percent in stocks and the remaining in bonds."

Altfest says while its okay to mix in bonds, do not get too conservative – even in this current economic climate.

"This is not the time to switch from stocks to bonds," he said. "This is the time to make sure that you're in quality mutual funds and quality stocks in general."

Also, for your own peace of mind, avoid constant checkups on your portfolio.

"It's just going to make you nervous," Altfest advised. "And try to visualize a period beyond in which the seas are more tranquil."

But for the time being, investors have to weather the storm.