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I am thinking of moving 20% into the annuity moneymarket fund from the index 500 fund just so it stays at least at principle and move 20% to a growth fund

So the question is? - over the next 14 months which is better:
100% S&P 500 Index


60% S&P 500 Index
20% Moneymarket
20% Growth Fund

My crystal ball is broken so I can't see the future which would be the only way to know for sure.

This may be more a question of - in 14 months when you start withdrawing the money how well set up is your retirement. And, what is going to let you sleep better at night??

With the 100% Index, you will probably have more/higher ups and downs but also probably have a better chance of a higher value when you do start withdrawing. - not by much based on history but a little..

If you have expectations that growth funds will do better (which small cap growth funds have historically) or if you would sleep better not worrying about the ups and downs the switch may help - but which is better in the end - only you and time can tell

d(Small Cap Growth)/dT
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