When people think about a market crash, their mind immediately goes back to 2008. Yet no matter the year, no one can really tell when we’re in a bull market or bear market until we’re already well entrenched. So how are investors to cope with this possibly unsettling information? Working with a financial advisor, we believe those who are in an accumulation stage of life should continue to invest with patience and calm, keeping in mind that what comes down usually goes back up. However, for those in or nearing retirement, who may not have the time to wait for the downs to go up, they may want to consider additional strategies to help reduce the risk of stock market volatility.

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