MommeyMarket funds are safe, but no gain
In 401k accound, it definitely provides at least three kinds of investment veheicles, including stockfunds, bondfonds, and MoneyMarket funds. MommeyMarket funds are nearly 100% safe, but it is now nearly 0% gain and dividend.
When money moving from stock to bonds, and then, from bonds to MM, it is about the time of stock market to hit the bottom.