Offer your thoughts or opinion on the input financial query or topic using your financial background.

Is there any drawback in putting all my 401K into a money market fund?
The drawback is not knowing when prices have reached a level where you are comfortable getting back in.   Someone who got out at S&P 1500 before the crash of '08 was very happy. But did they get back in at 666 or just watch the market come back 3X from that level? The S&P returned 10.46% from Jan '87 till Dec '14. I wonder how many traders got in and out just right to beat that number? Bottom line is that even the pro's acknowledge that timing the market is basically impossible, so why try?