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Should I move my money market funds into bonds?
There is a thing called the Sharpe Ratio. This Ratio takes return/risk with risk being defined as the standard deviation of prices over time. According to Financial theory the investment with the highest (best) Sharpe Ratio is a market portfolio. Technically accepting the lower risk of a treasury is accepting an amplified lower return(market sharpe would be 1 than tbill sharpe would be at most .9999999999999).  Because of this, unless there are liquidity restraints (don't buy ETFs with your payroll money DUH) you should ALWAYS be in market funds, otherwise you are leaving money on the table. Everything else is just speculation.  Now the real question is value or growth.......