"Don't be a sitting duck or the bear will eat you" says Bill Donoghue on MarketWatch.com. The original money market mutual fund guru, who is quite bearish, writes, "Also, keep more cash in liquid money-market mutual funds. Money-fund managers have demonstrated that they will take decisive action to protect their shareholders; ironically uninsured depositors at banks have lost money. Be sure your money fund is a real SEC-regulated money fund and not a savings account that is 'just like a money fund.'"