I have not seen a need to hedge my 401k retirement portfolio in the past. I am not permitted to reallocate assets more than once per quarter. I am balanced between equity growth, bonds and money market currently in the 401k and about 5 years away from retirement. I have other investments that are self managed and liquid.
Does anyone hedge their 401k and if so, at what point do you decide a hedge is necessary and what option strategy is used for the hedge? What are your decision points to unwind the hedge?