RE:RE:RE:IFNo need to be out of the stock market if you are feeling risk averse . There are situations virtually riskless ( with limited returns). Prime examples of this are split share preferreds , backed by blue chip portfolios , paying dividends monthly , with relatively short retraction features at the holders options that are highly liquid . They in addition have further protective features in case of market decline ----like common dividends have to be eliminated based on certain parameters.