My 401K is deteriorating along with the economy. I do not trust stocks. What’s a good safe no-risk investment?

I want to make changes to my 401k allocations, but I am not sure what to choose. Also, my IRAs are in the same boat as my 401k (sinking fast). Do I have the option of rolling my IRAs into a safer investment? I do not like risk.

Put your money in a “bear fund.” This is a mutual fund that makes money during a recession.