If you can not cash out, where do you move your money?I am currently in bonds and healthcare funds.
l use a Schwab account, and all my funds are no-fee/ no transaction fee.l moved my $$$ from International to my current funds to be more conservative.

l leave them where they are at and keep buying cheaper shares. And to clarify, l am in Index Funds and a few other mutual funds. If l were you l would move them from the bonds but that is because l have a high risk tolerance. The market is not scaring me at all. When people are running from the hurricane, l run to it, because it means more buying power in a down market.

Money market funds are one option. Bank CDs are another, though you may have to transfer IRA custodians.

Bonds and healthcare sounds like a good position.but if it still scares you, you can sell off your holdings and your money will sit in the '' cash'' portion of your account..( and should draw some interest at least.)