[!1776!]

there are new funds that move to cash when the market is falling apart. They do it for you.

That's part of the problem. To be sucessful, stocks need to be moved into cash (or other items) before the market (stocks) decline.

Doing so after the fact only means that you bought high and sold low - never a good investment strategy...

[Uncle Miltie]

Market Timing has repeatedly been proved (vitually) impossible.