My long term account is no problem. But I have a short term account that I MAY need to get into in the next 6 months and it's gone to hell this past month. It may now be a Long term account! :>)
I do have a high percentage of cash in the short term account. But I'm just sitting and watching now.
Hope you have a nice Christmas. We went to my parents house Christmas eve and stayed home yesterday. Played Xbox with the kids all day!