As an update to this topic, the fund now has a constant slightly negative return rate, essentially a negative interest rate which means that you are paying to keep your money in this "fixed interest savings" account. This transition amounts to a grand theft of your 401K. (a little bit every day). Somewhere, somebody made a huge windfall in this conversion. What used to be a stable decent return on funds is now a constant siphoning of your cash to pay fund management expenses. Any lawyers out there interested in a class action?
So the conversion from stable funds to money market allowed to go Im guessing from about 3% to less than one percent, which I'm sure saved them a nice chunk of change and yeah, since its supposed to be safe, yeah thats the only reason those funds could be getting a negative return with fees people probably don't even know about.
I mean, with the up and downs of the market, at least 3% was a safe 3%. So all you really have is the tax deferral advantage.