What to Do During Market Volatility: 6 Do’s and Don’ts for Retirees

Frankie Guida
Certified Financial Planner

If you’re feeling uneasy about your investments right now, you’re not alone. Market volatility can shake even the most seasoned investors—especially those nearing retirement. But the decisions you make during these uncertain times are critical to your long-term success.

At A Better Way Financial, we help people across the Lehigh Valley build retirement plans that are designed to withstand all types of markets. Below are some key do’s and don’ts to help you stay on track during turbulent times.

What You Should Do During Market Volatility

1. Stay Calm and Stick to Your Strategy

It’s natural to feel nervous when the market dips, but panic selling can do more harm than good. Reacting emotionally could result in selling at a low and missing the eventual recovery. Stick to your strategy, and let cooler heads prevail.

2. Revisit Your Retirement Plan

Now is a great time to review your retirement plan. Ask yourself:

• Is my portfolio still aligned with my long-term goals?
• Would a 5% or 10% drop affect my ability to generate income? A good plan should account for ups and downs—so if you’re still on track, stay the course.

3. Focus Less on Volatility and More on What You Can Control

Can you pause withdrawals from your investments and take from a bank account instead? Do you have other income sources like annuities or CDs? Being strategic with where you draw money from can help you avoid locking in losses.

What You Shouldn’t Do During Market Volatility

1. Don’t Panic and Sell

Even if your investments are down 10%, 20%, or more—now is not the time to sell. Remember: smart investing is about buying low and selling high, not the other way around.

2. Don’t Abandon Your Plan to Market Volatility

Your financial plan should already account for periods of poor market performance. At A Better Way Financial, we show clients how their retirement holds up under good, average, and bad market scenarios—so you can feel confident even during downturns.

3. Don’t Face Market Volatility Alone

Navigating market volatility is tough—especially if you’re doing it without professional guidance. A second opinion from a trusted financial advisor can provide clarity and reassurance that you’re still on track.

Get a Second Opinion on Your Retirement Plan

If you’re unsure about how market volatility may affect your retirement—or you just want a second set of eyes on your plan—we’re here to help.

Click the link below to schedule a free 15-minute introductory call. Let’s take the first step toward building a retirement plan that helps you weather the storm and retire with confidence.

Schedule Your Complimentary Call