Retirement investing is for the long term, which means riding out market upswings and downturns, so it’s important not to panic at every market dip.
As a long-term investor, consider having at least a portion of your investments in stocks. Historically, stocks have produced returns that outpace inflation and outperform interest-bearing securities such as bonds.1
If you have a short investing timeline, you may want to handle market volatility by using other savings to pay for current expenses, instead of selling stocks that may have declined. That can give your equity investments time to potentially recover their value.