I hear you. It took me a long time to do it and I finally pulled the trigger last month. I moved almost 100% of my 401(k) into a money market option in August. I am close to finalizing what I will do with it. I am lucky in that I have an option to go into a self-directed brokerage account within my 401(k). This means I get to pick almost any mutual fund available in the US. I have found some foreign mutual fund options that have limited exposure the the US Dollar and have moved some into them. Then gold for sure. Energy too. Believe me the fear factor was huge having built it up so much over the last 10 years, but I found myself giddy once I did it. You will feel relief – I promise you. I did. I can even stand seeing things go really well in the stock market for the rest of the year. I just don’t feel very positive for the next couple years at all.