Hello, My 401K has done well like many, but the 401K options doesn't have a "cash" holding fund, except for some options of lower yield % mutual bond funds (as well as many others to choose from). I don't have any 401K investment riding off the S&P/Dow, but my Latin America / Asia positions have done well off our UWR commodity history. I've shed my Asia Fund, and re-balanced my gains into a small handful of available low yield Bond Mutual Funds, a couple tied into Emerging Market Bonds and a few in those even keel low yield bond funds. Those do drive me an extra grand to 1500 every month on pure dividends while I think this through patiently. Is there a philosophy you could shed on bond mutual fund areas to best contain loss in the next big downturn? Or keep doing what I'm doing with these lower risk mix of these Bond Funds driving me monthly dividends.. after very healthy gain gains in Asia/LA. Thanks for any insight!