My 401k is pre-determined and hasn't changed in few years.
I put my Roth IRA in right about 2nd January. Though that will change with TD Ameritrade who have delays on ACH
My personal savings is all going into CDs right now. I'm transferring my existing "cash" mostly out of a crappy credit unions money market, bit by bit. I figure for now I'm going to to build a two year CD ladder that I will just keep cycling. Even with my existing savings that's going to take some time.
By the time I finish, that should put my non, cant touch it until 59.5, retirement portfolio at about 70% securities 30% "cash" unless the market hustles in one direction or another. Not sure when I will hit that objective. When I do, I'll go back and re-visit if it's time to start building securities again and at what pace. I will have essentially raided my stagnant "new car fund" to build my CD Ladder, so my comfort may be all out of whack. My emergency liquid nest egg will have gone form considerable (given my means) to small down payment on something big when I am done.