Planning for Retirement During a Market Downturn

The financial markets' ups and downs can be emotionally draining, especially when they directly affect retirement plan savings. To help you cope, The Standard has published a series of articles that put retirement planning into perspective and offer strategies for investing in an unpredictable market.

• Five Basics to Remember in a Down Market. Here are five time-tested strategies for everyone to remember in an unstable market. (Also available in Spanish.)
• Hanging Tough in a Difficult Market. Take a look at past market downturns and learn how to put your retirement investments in a good position for a market recovery. (Also available in Spanish.)
• Are My Retirement Savings Protected? Although retirement plan savings are not insured like many bank accounts, the federal government has established rules to protect your account. (Also available in Spanish.)
• Diversification: A Good Defense in a Tough Market. Take a closer look at how diversified investments, such as those in your retirement plan, may reduce exposure to risk. (Also available in Spanish.)
• Surviving Market Turbulence: Fasten Your Seatbelt. Learn tips every investor should know when the market starts to drop. (Also available in Spanish.)
• Thrill Ride. Are you on a ride that you want to get off? Before making a decision you might regret later, take a historical look at the stock market and see why now may actually be a good time to invest. (Also available in Spanish.)
• The Reality of Risk. Many people are experiencing first-hand that investing can be ... risky. What are the different types of risk, and how can you manage your exposure to risk? (Also available in Spanish.)
• Coping With a Market Downer. Use this three-step program to learn about the financial markets, developing an investment strategy and the simple truths of long-term investing. (Also available in Spanish.)

Questions?

Understandably, many people are concerned about how the market's recent events affect their retirement savings. Many have asked us:

• Should I move my 401(k) money into a savings account?
• Will my retirement plan account be affected by the recent problems experienced by financial firms?
• How has the stock market reacted to crises over time?
• Would this be a good time to invest more heavily in stocks, while the market is down?

Find out how our experts answered these questions and more.

Our Financial Strength

Several people have inquired about The Standard's financial strength during this undeniably turbulent market. While a number of financial institutions are reeling from these circumstances, The Standard continues to be financially strong. Read more. (Also available in Spanish.)