Money market fund vs Blue chips vs all-world ETF

Goal is waiting for a good entry after yet another crash. So as far as I see it, my options are: Money fund for around 3% returns (Euro based one, I know the Dollar would be at 4%) Buy blue chip stocks (insurances, consumer goods, real estate), either directly for dividends or as CSPs for Theta All world ETF As far as I see it, the money fund is the preferable option if you have no idea what the next market crash might look like. China takes Taiwan, AI bubble, unexpected economy numbers, whateve