<prompt> Human: Im early 30s with 100k in my 401k. About 90 is spread across 3 index funds and 10 into a target retirement fund. Looking back at 2008 all of those options suffered a 30-45 loss. Meanwhile theres this BlackRock Money Market-W option that has been stable as can be. Its not gaining but its also not losing. If the market is in for a big dip, why wouldnt it be wise to put my money in a Money Market Fund for 6-12mo and wait it out? Everything Im reading says to stay the course but simple math is telling me otherwise. Looking forward to your replies.  <response>: Because most of the people calling for a big dip have no freaking idea if it will actually happen. And even if it does happen, no-one knows if it will last 12 months or 12 days.Todays dip barely lasted 2 hours!Pull your money out now and you risk having to buy back in at am roe expensive price, which is the biggest reason people are so goddamn bad at investing. 