Investors closing an equity account outright are as likely as not to open a new bond fund or money market account.

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In most 401(k) plans, to move money from a stable-value account into a money-market fund or short-term bond fund, plan participants have to be invested in a riskier option for at least 90 days.

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But if you have less than five years before your kid sits down to freshman composition, a risk-free certificate of deposit, money market fund or even a traditional savings account is a better bet.

FORBES: Start Saving For College Now

Instead, try to build up an emergency fund covering at least three to six months of expenses (ideally six to twelve) and keep it somewhere safe and accessible like a savings account or money market fund.

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But if, like most of us, you hold your nest egg in a savings account, a money market fund, real estate, or a 401(k) plan then what you care about is your real rate of return, not the inflation rate per se.

FORBES: Does Inflation Hurt Savers?

It would do the overall system no good for a corporation with a big TAG account to (say) move its money to a money market fund.

FORBES: We Don't Need TAG Accounts, We Need Sanity At The Fed

If you want to be absolutely, 100 percent safe, and you want to not make quite as much as you would make in a money market mutual fund, you would put in, like, in a bank savings account.

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ETFs account for more than 13% of all mutual fund assets (excluding money market funds), and assets have more than doubled since 2008, according to Michael Rawson, ETF analyst at Morningstar.

FORBES: How I View ETFs