Fixed asset allocation aligned with ordinary American, and no moving back and forth from cash. (Just cash for modest bill-paying, emergency fund, home, big child-raising expenses like college tuition.)
They're generally incentived to keep all 3 indexes up.
Moving huge sums between index funds and cash can constitute trading on insider information, and/or on conditions that a lawmaker is able to manipulate.
They're generally incentived to keep all 3 indexes up.