<prompt> Human: I have 125k in my 401k, and Im 32 years old. I make 140k a year, and contribute 9.5 after employee match.My 401k is invested in a fidelity total market index fund so I think 6 is a more than fair estimate for rate of return.I believe a market crash is coming within the next two-three years. I dont want to get into the whys, i just want some sound personal finance advice on if my logic is sound. I know everyone says dont try to time the market, but I just hit six figures in my 401k, and my gut instinct is to try to play it safe vs. risky...By my estimates, if I put my current balance into a Fidelity Money Market Fund instead assuming 0 return and continue making my 9.5 contributions Id see the following vs. growth declines in the stock market.0 Growth MM6 Growth10 Growth10 Decline20 Decline33 Decline:-:-:-:-:-:-:-After 2 Years151,600167,800179,200136,520103,94078,300After 32 Years2.38M2.47M2.54M2.29M2.11M1.96MVs. 0 Growth-90k160k-90k-270k-420kI know a 20 drop seems high, but we had a 45 drop in 2000, and a 55 drop in 2008. I realize that would have to be pulled out of the market at the exact peak, and put back in at the exact bottom, which is why I went with 10, 20 and 33.This is the longest bull market weve ever had, and for a variety of factors, I think were due for a precipitous drop. Am I crazy to think about moving my money to a Money Market Fund for a few years? Are money market funds going to be drastically impacted by a bear market?Assistant: To keep it short, the answer to your title is yes.Human: Is my logic flawed anywhere?Can you elaborate on why?Edit. Thank you for your feedback. Im a traditionally risk adverse person and i think the writing on the wall for this recession is clearer than any other. I would never think to ask this if it didnt seem like a certainty...Assistant: My logic is if I bet on the right horse Ill make money. Is it logical? Sure. But its it realistic?Human: Im comfortable forgoing that 90k in potential growth to avoid negative exposure.Heres a different question. Are money market funds drastically impacted in a recession?  <response>: Why not just get s bit more defensive with your allocation instead of going straight from an equity index to money market? 