You won't lose anything by buying a money fund. The current yield is over 4%.

It is best not to vote. You will basically lose a lot of money. It takes a long time to make money. It is basically impossible to make more money, because you invest less money and buy when the net value of the fund is high or low, so you can't make much money.

It is best to enter once when the market is good and transfer to the money fund when the market is bad.