Growing nervous as a possible government default draws closer, more and more ordinary investors are calling their brokers and moving their money out of stocks and mutual funds for fear of a plunge in the market next week.

The stock market declined for a sixth straight day Friday as financial advisers fielded a new round of calls and emails from clients wondering whether to get out or sit tight.

Investors pulled about $32 billion out of money-market mutual funds for the week that ended Wednesday, according to fund tracker Lipper Inc. That is just a tiny fraction of the $2.6 trillion invested in such funds. But the exodus appeared to be accelerating at week’s end as Tuesday’s deadline for reaching an agreement on Capitol Hill drew near.

“I’m having to talk a lot of people off the rooftops,” said Austin Frye, a financial planner in Aventura, Fla. Until the past few days, he said, clients were “reacting very well” and not asking to take their money out of stocks. Now they are showing more concern by the day.

Sean Sproul, a utility analyst in Columbus, Ohio, shifted all of the money he had in stock mutual funds into the most conservative bond fund his 401(k) retirement plan offers. Sproul said he feared that if he waited until Monday, it would be too late.

“My fear is that the stock market is going to crash dramatically,” he said. “I want to be wrong, but I’d rather be safe and do something conservative. I can always move back to those other funds once I have confidence.”

That sentiment was shared by Paula Schmidt, an IT consultant in San Jose, Calif. She sold all her bonds this week and is holding the money in cash until the standoff in Washington is resolved.

“The only safe thing to do is park my money and wait and see,” Schmidt said.

Seeing one of her investments lose $30,000 in a single week during the market meltdown in 2008 still stings. Her retirement savings did not recover until the end of last year.

Financial advisers are generally urging clients to remain calm and stay invested because of the difficulty of timing the markets and the strong likelihood that any losses will ultimately be recovered and then some.

The potential market turmoil is more alarming for those who have more immediate needs, such as those contemplating retirement in the next few years or parents whose children are entering college.

Retiree Barb Dietrich, a 65-year-old widow from Cedarburg, Wis., is holding firm on her stock investments so far but is getting uneasy about both stocks and the prospect that her Social Security check could be delayed.

“I have a set amount of money and when that’s gone, it’s gone. … There’s a little bit more fear as the days go on” without an agreement, she said.

Aon Hewitt, the Chicago-based human resources firm that tracks movement of money within 401(k) accounts, reported an increase in transfer activity from stock funds to bonds and money markets over the past week.

Besides moving their money into cash, investors also have been buying gold on fears of a U.S. default. The price of gold topped $1,600 an ounce for the first time last week.