<prompt> Human: Im fortunate enough to have received a chunk of my house down payment from my parents. They moved the money over to my name but asked I keep it in the same fund vanguard admiral. Tonight, sighting no real reason, they said we should liquidate just in case and place it all in savings because it is safer. We are not planning on buying for at least 3 months. Curious the opinion of the group.  <response>: I expect they are trying to protect you from a market crash. YOur Vanguard funds could be worth 10 to 15 percent less in the next couple of weeks if this trade war rhetoric keeps up. 