there should always an option not to invest in risky stocks. the way depends
on your 403b custodian. some have a sweeping account that just holds the
money w/o buying funds. some, you can buy money marking funds (almost no
gain now but unlikely any loss). it seems you bought some mutual funds of
stocks at the FA's recommendation. you can exchange it for money market. but
be cautious. it may not be wise now to cash out. but no one knows. I have a
big chunk put in 10/2007 at the very top but I am