{"id":85720,"date":"2025-04-09T05:29:00","date_gmt":"2025-04-09T10:29:00","guid":{"rendered":"https:\/\/www.success.com\/?p=85720"},"modified":"2025-05-05T09:32:48","modified_gmt":"2025-05-05T14:32:48","slug":"tariff-turmoil-retirement-account","status":"publish","type":"post","link":"https:\/\/www.success.com\/tariff-turmoil-retirement-account\/","title":{"rendered":"Tariff Turmoil and Your Retirement Account\u2014What Financial Advisers Are Recommending in an Uncertain Market"},"content":{"rendered":"\n

Is the sky falling? And, if so, what are we to do with our retirement accounts<\/a>? The last few months have been full of whiplash related to tariff negotiations, discussions and assertions, as the Trump administration implemented a 10% tariff on all incoming goods and some substantially higher rates for specific countries. All the tariff talk has corporations concerned about their bottom lines\u2014which we see reflected in the stock market\u2019s unrest and, therefore, in investors\u2019 retirement portfolios.<\/p>\n\n\n\n

The Nasdaq and S&P 500 just completed their worst quarter<\/a> since 2022. On Monday, Apr. 7, the Dow Jones Industrial Average<\/a> had fallen for a third day in a row. But on Tuesday, Apr. 8, the market started to trend upward<\/a> again, signaling a potential reprieve from the downward turn. All this has consumers, and specifically those with retirement accounts depending on stocks asking, what\u2019s next?<\/p>\n\n\n\n\"SUCCESS+<\/a>\n\n\n\n

Some are concerned that we are headed for another stock market crash, which analysts<\/a> say can occur quickly and without much warning, but they also often happen after a long bull market run.<\/p>\n\n\n\n

What\u2019s going on with the stock market?<\/h2>\n\n\n\n

If you\u2019ve been happy to hand over your investment management to the experts and haven\u2019t looked at it since, here\u2019s what\u2019s happening with the stock market. \u201cThe market is reflecting a mix of uncertainty and adjustment. We\u2019re seeing reactions to inflation, interest rates and global events that are causing some volatility. That\u2019s normal,\u201d says Paul Miller, managing partner and CPA at Miller & Company, LLP<\/a> in New York. \u201cThe big picture? We\u2019re in a transition period\u2014shifting from a high-growth, low-interest-rate environment to something more balanced. It\u2019s uncomfortable, but not unusual. Historically, the market has weathered much worse and come back stronger.\u201d<\/p>\n\n\n\n

\u201cMarkets react to uncertainty and the lack of clarity on the potential impact of certain events. Right now, the biggest unknown is the impact of tariffs on prices, consumer spending and economic growth,\u201d says Saadia Ahmed<\/a>, a certified financial planner (CFP) in California. \u201cThat uncertainty fueled the stock market decline last week as investors were pricing in the worst-case scenario and predicting a steep bear market and a deep recession.\u201d<\/p>\n\n\n\n

It was too good to be true<\/h2>\n\n\n\n

If the market for the past few years seemed too good to be true, that\u2019s because it was. Russell Price<\/a>, senior vice president of wealth management and financial adviser at MPI Wealth Management, UBS Financial Services, Inc., in Las Vegas, says those years involved \u201can alarming level of optimism that was simply unsustainable.\u201d<\/p>\n\n\n\n

\u201cThe \u2018magnificent 7\u2019 [top tech companies including Apple, Amazon, Alphabet (Google), Meta, Microsoft, Nvidia and Tesla] with their historically high price-to-earnings ratios, serve as a glaring testament to this overconfidence. Just two quarters ago, the market seemed invincible, with investors blissfully ignoring the looming threats of global events and potential shifts in policy,\u201d he says. \u201cHowever, we are now witnessing a significant shift in sentiment, as the market has turned on a dime, and risk factors, including recession speculations<\/a>, are being factored into valuations.\u201d<\/p>\n\n\n\n

Stay calm and zoom out<\/h2>\n\n\n\n

If all of this is making you feel a bit panicky, take it from these investment professionals\u2014that\u2019s totally normal. Ahmed says, \u201cIt is really difficult to see that value of your hard-earned money drop so fast.\u201d <\/p>\n\n\n\n

She shares that not watching the news and your portfolio constantly is a great first step. \u201cI have often wondered the value of watching Dow and S&P 500 returns continuously. For most people, it only induces fear and anxiety and a reflex to take some action.\u201d Instead, she recommends zooming out to take a wider lens approach. \u201cLook at your portfolios once the market recovers to see if this downturn affected you more than previously. If yes, then your portfolio allocation needs a tuning.\u201d<\/p>\n\n\n\n

Ahmed reminds investing clients that the stock market isn\u2019t linear. \u201cS&P 500 index has been negative in seven of the last 35 years. However, we remember the pain more than the gain,\u201d she says. \u201cThe best days in the market follow the worst days, and if you miss those high days, it is difficult to catch up. The average stock investor\u2019s return lagged the S&P 500 stock index by 5.5 percentage points in 2023. According to Dalbar, this is because people sell when there is panic and the market is down, then wait for things to improve and get back in when the market has recovered. However, investing<\/a> should be like watching grass grow or paint dry.\u201d<\/p>\n\n\n\n

Ahmed shares that her clients are reacting with differing levels of concern, partially depending on where they are getting their information, their political affiliations and other factors. \u201cI have encouraged clients to diversify their sources of information, as that can help them to get different perspectives and lower their level of anxiety.\u201d<\/p>\n\n\n\n

Assess your current asset location and level of risk<\/h2>\n\n\n\n

In times of distress, whether it\u2019s the stock market or beyond, we can take a moment to look around and reorient ourselves. In the case of retirement investments<\/a>, this means assessing current asset allocation, according to Price. <\/p>\n\n\n\n

\u201cRemember, 401(k)s are designed for the long haul, and this is an opportunity to leverage that longer investment horizon. Historical trends show that times like these present a unique opportunity to invest in broader markets, such as the S&P 500,\u201d he says. \u201cNow is the perfect moment for participants to seize the opportunity to put their cash to work. Consider moving up the risk scale: by strategically selling off less risky assets, you can redirect those funds into stocks that promise greater potential.\u201d<\/p>\n\n\n\n

One of the most tried and true strategies is called dollar-cost averaging<\/a>, which Ahmed recommends in times like these because \u201cit avoids trying to time the market.\u201d This involves investing your money in equal portions regularly, according to the U.S. Securities and Exchange Commission.<\/p>\n\n\n\n

Don\u2019t give up on the stock market prematurely<\/h2>\n\n\n\n

You may have heard that challenges are simply opportunities disguised as problems. Miller says, \u201cTimes like these can actually be opportunities to invest at a discount.\u201d If nothing else, he advises against making \u201cknee-jerk decisions,\u201d stating, \u201cDon\u2019t pull everything out of the market because you\u2019re scared\u2014it locks in losses and takes you out of the game. Instead, take this time to review your financial plan. Make sure your investments still match your goals. If you\u2019re five years out from retirement, your strategy should look different than someone who\u2019s 30,\u201d he says.<\/p>\n\n\n\n

Economics experts and historians look to history to understand market trends. Similarly, Price says we should look back just five years to what we\u2019ve recently endured. \u201cJust think back to 2020, when global markets and supply chains came to a standstill. In that unprecedented time, we were navigating uncharted waters without a historical playbook, leading to significant market sell-offs as fear gripped investors. However, as clarity gradually returned, so did confidence in the market.\u201d<\/p>\n\n\n\n

Diversity while the market \u2018finds its footing again\u2019<\/h2>\n\n\n\n

If the daily ups and downs of the stock market, even in the face of new tariffs, have you spooked, Miller redirects your attention to three aspects of investing that actually matter for long-term success: \u201cDiversification, time in the market and regular contributions. [These] matter more than timing the market perfectly,\u201d he says.<\/p>\n\n\n\n

This isn\u2019t to discount the unrest. \u201cShifting from a high-growth, low-interest-rate environment to something more balanced. It\u2019s uncomfortable, but not unusual,\u201d he says.<\/p>\n\n\n\n

Price agrees with it being a great time to diversify. \u201cBy diversifying your investments through broader market portfolios, you can effectively manage company risk while still positioning yourself to benefit from market rebounds,\u201d he says. \u201cThis method not only safeguards your investments against unforeseen fluctuations but also allows you to participate in the growth potential of the market.\u201d<\/p>\n\n\n\n

\u201cTrump\u2019s tariffs on imports have rattled markets, dragging down stocks and prompting a rethink for 401(k) holders. If retirement is still a ways off, keep investing\u2014lower prices mean investments are on sale,\u201d says Jessy Gilger, CFP<\/a>, senior adviser at Sound Advisory<\/a>, the financial planning and investment management arm of Unchained<\/a>. \u201c<\/strong>Treasury Secretary Scott Bessent has hinted that an economic shake-up might make nontraditional assets like bitcoin and gold a smart addition if they\u2019re absent from your mix. If you\u2019re nearing (or in) retirement, check your balance of stocks against safer options, including those like gold<\/a> and bitcoin that are often overlooked. See if adjusting for stability makes sense, but don\u2019t jump ship, as markets usually find their footing again.\u201d<\/p>\n\n\n\n

Photo by fizkes\/Shutterstock<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Tariff changes have shaken markets\u2014and your 401(k). Here\u2019s what financial advisers say you should do now to protect your retirement savings.<\/p>\n","protected":false},"author":32434,"featured_media":85725,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"inline_featured_image":false,"ub_ctt_via":"","footnotes":""},"categories":[14060],"tags":[14581],"class_list":["post-85720","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","tag-news"],"featured_image_src":"https:\/\/www.success.com\/wp-content\/uploads\/2025\/04\/tariff-turmoil-retirement-account.jpg","author_info":{"display_name":"Alex Frost","author_link":"https:\/\/www.success.com\/author\/alex-frost\/"},"yoast_head":"\nTariff Turmoil and Your Retirement Account: What Experts Say | SUCCESS<\/title>\n<meta name=\"description\" content=\"Tariff changes have shaken markets\u2014and your 401(k). 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To connect or read more of her work please visit www.alexandra-frost.com.","url":"https:\/\/www.success.com\/author\/alex-frost\/"}]}},"meta_data":{"_edit_lock":["1746455807:32380"],"_edit_last":["32380"],"_advads_ad_settings":["a:2:{s:11:\"disable_ads\";i:0;s:19:\"disable_the_content\";i:0;}"],"_molongui_main_author":["user-32434"],"enable-for-home-page-all-post-section-set-as-first-image":["false"],"enable-for-home-page-all-post-section":["false"],"enable-for-category-section-in-home-page-set-as-first-image":["true"],"enable-for-category-section-in-home-page":["true"],"feature-video":[""],"select-video":[""],"exclude_from_trending":["false"],"type_access":["article_standard"],"disc":["d_dominance"],"resource_library":["article"],"store_type":[""],"custom_listing_image":[""],"sync":["true"],"_yoast_wpseo_primary_category":["14060"],"_yoast_wpseo_title":["Tariff Turmoil and Your Retirement Account: What Experts Say %%page%% %%sep%% %%sitename%%"],"_yoast_wpseo_metadesc":["Tariff changes have shaken markets\u2014and your 401(k). Here\u2019s what financial advisers say you should do now to protect your retirement savings."],"_yoast_wpseo_focuskeywords":[""],"_yoast_wpseo_keywordsynonyms":[""],"_yoast_wpseo_estimated-reading-time-minutes":["7"],"jet_engine_store_count_recently-viewed":["452"],"_thumbnail_id":["85725"],"_molongui_author":["user-32434"],"_yoast_wpseo_opengraph-image":["https:\/\/www.success.com\/wp-content\/uploads\/2025\/04\/tariff-turmoil-retirement-account-social-1024x540.jpg"],"_yoast_wpseo_opengraph-image-id":["85726"],"_yoast_wpseo_focuskw":["tariff"],"_yoast_wpseo_linkdex":["73"],"_yoast_wpseo_content_score":["90"],"_yoast_indexnow_last_ping":["1746455568"],"jet_engine_store_count_bookmark":["1"],"_elementor_page_assets":["a:0:{}"]},"guest_author_field_data":{"main_author_is":"user","guest_authors":[],"user_authors":[{"user_email":"afrost@mailinator.com","user_login":"Alex-Frost","first_name":"Alex","last_name":"Frost","display_name":"Alex Frost","nickname":"Alex-Frost","user_meta":{"nickname":["Alex-Frost"],"first_name":["Alex"],"last_name":["Frost"],"description":["Alexandra Frost is a Cincinnati-based freelance journalist and content strategist, focusing on health and wellness, parenting, education, business, environment, and lifestyle. She has been published in the New York Times, Atlantic, Washington Post, Glamour, Today\u2019s Parent, Reader\u2019s Digest, Consumer Reports, Women\u2019s Health, and National Geographic. She spends her \u201cfree\u201d time with her five kids under age 10, and coaching others on the ins and outs of media and content marketing. To connect or read more of her work please visit www.alexandra-frost.com."],"rich_editing":["true"],"syntax_highlighting":["true"],"comment_shortcuts":["false"],"admin_color":["fresh"],"use_ssl":["0"],"show_admin_bar_front":["true"],"locale":[""],"wp_capabilities":["a:1:{s:6:\"author\";b:1;}"],"wp_user_level":["0"],"_yoast_wpseo_profile_updated":["1742227225"],"wp_user_avatar":[""],"dismissed_wp_pointers":[""],"molongui_author_post_count":["68"],"molongui_author_page_count":["0"],"is_geuest_user":["32434"],"wp_elementor_enable_ai":["1"],"wpseo_metadesc":[""],"wpseo_title":[""],"wpseo_content_analysis_disable":[""],"wpseo_keyword_analysis_disable":[""],"wpseo_user_schema":["a:0:{}"],"molongui_author_phone":[""],"molongui_author_job":[""],"molongui_author_company":[""],"molongui_author_company_link":[""],"molongui_author_custom_link":[""],"molongui_author_box_display":["default"],"molongui_author_short_bio":["Alexandra Frost is a Cincinnati-based freelance journalist and content strategist, focusing on health and wellness, parenting, education, business, environment, and lifestyle. Her work has appeared in The New York Times, the Atlantic, the Washington Post, and many other publications. She spends her \u201cfree\u201d time with her five kids under age 10, and coaching others on the ins and outs of media and content marketing."],"molongui_author_image_id":[""],"molongui_author_image_url":[""],"molongui_author_image_edit":[""],"advanced-ads-role":[""]}}]},"custom_post_content":"<!-- wp:paragraph -->\n<p>Is the sky falling? And, if so, what are we to do with our <a href=\"https:\/\/www.success.com\/types-of-retirement-plans\/\">retirement accounts<\/a>? The last few months have been full of whiplash related to tariff negotiations, discussions and assertions, as the Trump administration implemented a 10% tariff on all incoming goods and some substantially higher rates for specific countries. All the tariff talk has corporations concerned about their bottom lines\u2014which we see reflected in the stock market\u2019s unrest and, therefore, in investors\u2019 retirement portfolios.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The Nasdaq and S&P 500 just completed their <a href=\"https:\/\/www.fool.com\/investing\/2025\/04\/06\/should-you-buy-stocks-now-heres-buffetts-advice\/\" target=\"_blank\" rel=\"noreferrer noopener\">worst quarter<\/a> since 2022. On Monday, Apr. 7, the <a href=\"https:\/\/www.cnbc.com\/2025\/04\/06\/stock-market-today-live-updates.html\" target=\"_blank\" rel=\"noreferrer noopener\">Dow Jones Industrial Average<\/a> had fallen for a third day in a row. But on Tuesday, Apr. 8, the <a href=\"https:\/\/www.cnn.com\/2025\/04\/08\/investing\/stock-market-dow-tariffs\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">market started to trend upward<\/a> again, signaling a potential reprieve from the downward turn. All this has consumers, and specifically those with retirement accounts depending on stocks asking, what\u2019s next?<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:html -->\n\n<!-- \/wp:html -->\n\n<!-- wp:paragraph -->\n<p>Some are concerned that we are headed for another stock market crash, which <a href=\"https:\/\/www.fool.com\/investing\/stock-market\/basics\/crashes\/\" target=\"_blank\" rel=\"noreferrer noopener\">analysts<\/a> say can occur quickly and without much warning, but they also often happen after a long bull market run.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-what-s-going-on-with-the-stock-market\">What\u2019s going on with the stock market?<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you\u2019ve been happy to hand over your investment management to the experts and haven\u2019t looked at it since, here\u2019s what\u2019s happening with the stock market. \u201cThe market is reflecting a mix of uncertainty and adjustment. We\u2019re seeing reactions to inflation, interest rates and global events that are causing some volatility. That\u2019s normal,\u201d says Paul Miller, managing partner and CPA at <a href=\"http:\/\/cpafirmnyc.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Miller & Company, LLP<\/a> in New York. \u201cThe big picture? We\u2019re in a transition period\u2014shifting from a high-growth, low-interest-rate environment to something more balanced. It\u2019s uncomfortable, but not unusual. Historically, the market has weathered much worse and come back stronger.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\u201cMarkets react to uncertainty and the lack of clarity on the potential impact of certain events. Right now, the biggest unknown is the impact of tariffs on prices, consumer spending and economic growth,\u201d says <a href=\"https:\/\/www.kfstrategies.us\/saadia-ahmed\" target=\"_blank\" rel=\"noreferrer noopener\">Saadia Ahmed<\/a>, a certified financial planner (CFP) in California. \u201cThat uncertainty fueled the stock market decline last week as investors were pricing in the worst-case scenario and predicting a steep bear market and a deep recession.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-it-was-too-good-to-be-true\">It was too good to be true<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If the market for the past few years seemed too good to be true, that\u2019s because it was. <a href=\"https:\/\/advisors.ubs.com\/mpiwm\/Meet-the-team.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Russell Price<\/a>, senior vice president of wealth management and financial adviser at MPI Wealth Management, UBS Financial Services, Inc., in Las Vegas, says those years involved \u201can alarming level of optimism that was simply unsustainable.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\u201cThe \u2018magnificent 7\u2019 [top tech companies including Apple, Amazon, Alphabet (Google), Meta, Microsoft, Nvidia and Tesla] with their historically high price-to-earnings ratios, serve as a glaring testament to this overconfidence. Just two quarters ago, the market seemed invincible, with investors blissfully ignoring the looming threats of global events and potential shifts in policy,\u201d he says. \u201cHowever, we are now witnessing a significant shift in sentiment, as the market has turned on a dime, and risk factors, including <a href=\"https:\/\/www.success.com\/how-to-prepare-for-a-recession\/\">recession speculations<\/a>, are being factored into valuations.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-stay-calm-and-zoom-out\">Stay calm and zoom out<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If all of this is making you feel a bit panicky, take it from these investment professionals\u2014that\u2019s totally normal. Ahmed says, \u201cIt is really difficult to see that value of your hard-earned money drop so fast.\u201d <\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>She shares that not watching the news and your portfolio constantly is a great first step. \u201cI have often wondered the value of watching Dow and S&P 500 returns continuously. For most people, it only induces fear and anxiety and a reflex to take some action.\u201d Instead, she recommends zooming out to take a wider lens approach. \u201cLook at your portfolios once the market recovers to see if this downturn affected you more than previously. If yes, then your portfolio allocation needs a tuning.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ahmed reminds investing clients that the stock market isn\u2019t linear. \u201cS&P 500 index has been negative in seven of the last 35 years. However, we remember the pain more than the gain,\u201d she says. \u201cThe best days in the market follow the worst days, and if you miss those high days, it is difficult to catch up. The average stock investor\u2019s return lagged the S&P 500 stock index by 5.5 percentage points in 2023. According to Dalbar, this is because people sell when there is panic and the market is down, then wait for things to improve and get back in when the market has recovered. However, <a href=\"https:\/\/www.success.com\/investing-basics\/\">investing<\/a> should be like watching grass grow or paint dry.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ahmed shares that her clients are reacting with differing levels of concern, partially depending on where they are getting their information, their political affiliations and other factors. \u201cI have encouraged clients to diversify their sources of information, as that can help them to get different perspectives and lower their level of anxiety.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-assess-your-current-asset-location-and-level-of-risk\">Assess your current asset location and level of risk<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In times of distress, whether it\u2019s the stock market or beyond, we can take a moment to look around and reorient ourselves. In the case of <a href=\"https:\/\/www.success.com\/how-much-money-to-retire-guide\/\">retirement investments<\/a>, this means assessing current asset allocation, according to Price. <\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\u201cRemember, 401(k)s are designed for the long haul, and this is an opportunity to leverage that longer investment horizon. Historical trends show that times like these present a unique opportunity to invest in broader markets, such as the S&P 500,\u201d he says. \u201cNow is the perfect moment for participants to seize the opportunity to put their cash to work. Consider moving up the risk scale: by strategically selling off less risky assets, you can redirect those funds into stocks that promise greater potential.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One of the most tried and true strategies is called <a href=\"https:\/\/www.investor.gov\/introduction-investing\/investing-basics\/glossary\/dollar-cost-averaging\" target=\"_blank\" rel=\"noreferrer noopener\">dollar-cost averaging<\/a>, which Ahmed recommends in times like these because \u201cit avoids trying to time the market.\u201d This involves investing your money in equal portions regularly, according to the U.S. Securities and Exchange Commission.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-don-t-give-up-on-the-stock-market-prematurely\">Don\u2019t give up on the stock market prematurely<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You may have heard that challenges are simply opportunities disguised as problems. Miller says, \u201cTimes like these can actually be opportunities to invest at a discount.\u201d If nothing else, he advises against making \u201cknee-jerk decisions,\u201d stating, \u201cDon\u2019t pull everything out of the market because you\u2019re scared\u2014it locks in losses and takes you out of the game. Instead, take this time to review your financial plan. Make sure your investments still match your goals. If you\u2019re five years out from retirement, your strategy should look different than someone who\u2019s 30,\u201d he says.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Economics experts and historians look to history to understand market trends. Similarly, Price says we should look back just five years to what we\u2019ve recently endured. \u201cJust think back to 2020, when global markets and supply chains came to a standstill. In that unprecedented time, we were navigating uncharted waters without a historical playbook, leading to significant market sell-offs as fear gripped investors. However, as clarity gradually returned, so did confidence in the market.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-diversity-while-the-market-finds-its-footing-again\">Diversity while the market \u2018finds its footing again\u2019<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If the daily ups and downs of the stock market, even in the face of new tariffs, have you spooked, Miller redirects your attention to three aspects of investing that actually matter for long-term success: \u201cDiversification, time in the market and regular contributions. [These] matter more than timing the market perfectly,\u201d he says.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This isn\u2019t to discount the unrest. \u201cShifting from a high-growth, low-interest-rate environment to something more balanced. It\u2019s uncomfortable, but not unusual,\u201d he says.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Price agrees with it being a great time to diversify. \u201cBy diversifying your investments through broader market portfolios, you can effectively manage company risk while still positioning yourself to benefit from market rebounds,\u201d he says. \u201cThis method not only safeguards your investments against unforeseen fluctuations but also allows you to participate in the growth potential of the market.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\u201cTrump\u2019s tariffs on imports have rattled markets, dragging down stocks and prompting a rethink for 401(k) holders. If retirement is still a ways off, keep investing\u2014lower prices mean investments are on sale,\u201d says <a href=\"https:\/\/tracking.us.nylas.com\/l\/eac49baa500640cfbf21665f32db14c1\/0\/bd67193a008a4aae82f043e463691c04bc127295e7156611f09188508ea02abe?cache_buster=1744051265\" target=\"_blank\" rel=\"noreferrer noopener\">Jessy Gilger, CFP<\/a>, senior adviser at <a href=\"https:\/\/tracking.us.nylas.com\/l\/eac49baa500640cfbf21665f32db14c1\/1\/9f85472d6df091d09a46cdd0bde11f71295761b0feb88e7dd74d23e4e7ebbbd3?cache_buster=1744051265\" target=\"_blank\" rel=\"noreferrer noopener\">Sound Advisory<\/a>, the financial planning and investment management arm of <a href=\"https:\/\/tracking.us.nylas.com\/l\/eac49baa500640cfbf21665f32db14c1\/2\/53fff348f591ae63ee3ab403323cf114b4293e854f1c16f0306dff82573b2e4d?cache_buster=1744051265\" target=\"_blank\" rel=\"noreferrer noopener\">Unchained<\/a><strong>. \u201c<\/strong>Treasury Secretary Scott Bessent has hinted that an economic shake-up might make nontraditional assets like bitcoin and gold a smart addition if they\u2019re absent from your mix. If you\u2019re nearing (or in) retirement, check your balance of stocks against safer options, including those like <a href=\"https:\/\/www.success.com\/should-you-buy-gold-and-platinum-bars-from-costco\/\">gold<\/a> and bitcoin that are often overlooked. See if adjusting for stability makes sense, but don\u2019t jump ship, as markets usually find their footing again.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"small\"} -->\n<p class=\"has-small-font-size\"><em>Photo by fizkes\/Shutterstock<\/em><\/p>\n<!-- \/wp:paragraph -->","tag_names":["news"],"post_attachment_urls":[],"author_email":"afrost@mailinator.com","_links":{"self":[{"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/posts\/85720","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/users\/32434"}],"replies":[{"embeddable":true,"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/comments?post=85720"}],"version-history":[{"count":0,"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/posts\/85720\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/media\/85725"}],"wp:attachment":[{"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/media?parent=85720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/categories?post=85720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.success.com\/wp-json\/wp\/v2\/tags?post=85720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}