The notion of what's safe has changed after a money-market fund fell in value this month. Lisa Kirchenbauer, a financial planner in Arlington...

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The notion of what’s safe has changed after a money-market fund fell in value this month. Lisa Kirchenbauer, a financial planner in Arlington, Va., recently helped a client move $800,000 from a money-market account to lower-yielding certificates of deposit, as he was in search of FDIC insurance.

To be sure, shifting to cash from stocks now could mean selling low only to buy high later. And many fixed-income investments are yielding less than inflation. A look at safe options now …