I was only gong to switch to the money market for a year or 2 while waiting for "the crash" to come. If I kept the money in the s and p 500 and the crash came like last time, my half million would be down to 250k. On the other hand if I remove it from the s and p 500 and do the money market thing, I will keep all of my half a million. When I invest it into the now decimated s and p 500, I will make money when it rises. I dont see what my risk is since I am doing this for the long hall. What do you think?