I’ve always been 100% allocated to the S&P in retirement accounts. I feel like this isn’t the worst time to move funds into the money market account. Any thoughts ?

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Gradually add some international.

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Of all the different investments out there ,why MM fund ?

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What is your thesis regarding the S&P 500 underperforming MMs? What is your retirement timeline?

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You’re exactly right. I am on good authority (vibes) that the market will fade 15% in exactly seventeen hours. You’re a wise one. Keep up the good work.

Wow. This is really fun to read through. 😝

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When are you retiring?

Money Markets are safe, but the returns are getting eaten by inflation. If you’re looking to move away from the volatility of the S&P but still want growth, you should look into Arbitrage strategies. It’s basically market-neutral, so you aren't sweating the daily S&P swings, but the yield is significantly better than a standard MM fund. I’ve been diving into a course on it lately , happy to share if you’re curious.

No snake oil here ,just sharing a course I found useful. I agree on index funds for long-term holds, but the original poster was asking about moving into Money Markets.
Arbitrage is simply a more active, market-neutral alternative to sitting in cash. No fees when you're the one executing the trades yourself.

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