Look into the options market. Especially in choppy markets you can make a lot of money. Edit: To add to this instead of using the mutual funds as a store value

Look into the options market. Especially in choppy markets you can make a lot of money. Edit: To add to this instead of using the mutual funds as a store value and being scared of holding stocks, you can buy puts as protection on your stock. Or you can buy spreads on stocks you like.