I’ve followed the prior thread with interest and am now following this one. Last September I purchased a large amount of somewhat conservative mutual funds with the money I got from selling my home the year before; they’re now up about 7%. The one-year surrender-charge period ends in about a month, just a few days before the next Fed meeting, and I’m deciding whether to cash them out and put the money into a money-market fund, or leave the money in the funds until I’m ready to use it as a down payment on a house. Suggestions?