[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-565079-105":3,"detail-sidebar-cat-1-en-105":74,"doc-detail-565079-en":120},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":67,"head_meta":69,"extra_data":71,"updated_unix":73},105,"en","market-volatility-invest-consistently-for-the-long-term","Market Volatility - Invest Consistently for the Long Term","","Market volatility can affect retirement funding decisions and may tempt investors to move all assets into less risky options or delay investing. A consistent long-term strategy helps investors typically come out ahead, as financial markets have historically recovered after crises. An illustrative comparison contrasts staying invested for 20 years versus reacting to volatility and missing the 10 best market days, showing a potential reduction in total return. Past performance is not a guarantee and the chart is for illustrative purposes only.",{"@graph":14,"@context":66},[15,34,49],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/forms/","Forms",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/market-volatility-invest-consistently-for-the-long-term/565079/",4,{"url":32,"name":10,"@type":35,"author":36,"headline":10,"publisher":39,"fileFormat":42,"inLanguage":8,"description":12,"dateModified":43,"datePublished":43,"encodingFormat":42,"isAccessibleForFree":44,"interactionStatistic":45},"DigitalDocument",{"name":37,"@type":38},"Miles","Person",{"url":19,"name":40,"@type":41},"DocShare","Organization","application/pdf","2026-10-12",true,{"@type":46,"interactionType":47,"userInteractionCount":4},"InteractionCounter",{"@type":48},"ViewAction",{"@type":50,"mainEntity":51},"FAQPage",[52,58,62],{"name":53,"@type":54,"acceptedAnswer":55},"How does stock market volatility affect retirement planning?","Question",{"text":56,"@type":57},"Volatility can challenge funding decisions for retirement and may increase concern about the economy’s impact on personal finances.","Answer",{"name":59,"@type":54,"acceptedAnswer":60},"What behavior can hurt returns during uncertain markets?",{"text":61,"@type":57},"Moving all assets to less risky investments or delaying investing can lead to missing strong market performance days.",{"name":63,"@type":54,"acceptedAnswer":64},"What does the chart compare?",{"text":65,"@type":57},"It compares two hypothetical investors: one staying invested for 20 years and one reacting to volatility by taking money out and missing the 10 best days of performance.","https://schema.org",{"og:url":32,"og:type":68,"og:title":10,"og:site_name":40,"og:description":12},"article",{"robots":70,"canonical":32},"index,follow",{"doc_id":72,"site_id":7},565079,1791846265,{"code":4,"msg":75,"data":76},"success",[77,82,87,92,97,102,106,111,116],{"id":78,"doc_module":22,"doc_module_name":25,"category_name":79,"show_sort_weight":80,"slug":81},11,"Presentations",90,"presentations",{"id":83,"doc_module":22,"doc_module_name":25,"category_name":84,"show_sort_weight":85,"slug":86},12,"Resumes",80,"resumes",{"id":88,"doc_module":22,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},14,"Invoices",70,"invoices",{"id":93,"doc_module":22,"doc_module_name":25,"category_name":94,"show_sort_weight":95,"slug":96},15,"Posters",60,"posters",{"id":98,"doc_module":22,"doc_module_name":25,"category_name":99,"show_sort_weight":100,"slug":101},16,"Social Media",50,"social-media",{"id":103,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":104,"slug":105},17,40,"forms",{"id":107,"doc_module":22,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},18,"Letters",30,"letters",{"id":112,"doc_module":22,"doc_module_name":25,"category_name":113,"show_sort_weight":114,"slug":115},21,"Paper Templates",5,"papers-templates",{"id":117,"doc_module":22,"doc_module_name":25,"category_name":118,"show_sort_weight":4,"slug":119},158,"General","general-158",{"code":4,"msg":75,"data":121},{"doc_id":72,"user_id":122,"nickname":37,"user_avatar":123,"doc_module":22,"category_id":103,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":124,"file_id":125,"file_url":126,"file_type":127,"file_size":128,"view_count":4,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":22,"language":129,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":130,"faqs":131,"seo_title":132,"seo_description":12,"update_tm":73,"read_time":4},13056703019404,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Invest consistently for the long term  \nIt’s only natural to be concerned with the economy and how it affects your personal financial circumstances. Though retirement may be a faraway thought for many of us, the truth is that the volatility of the stock market today may challenge the decisions you’ve made on funding your retirement.  \nWhen markets are uncertain, it can be tempting to move all your assets into less risky investments. Economic strains may even lead you to delay investing altogether.  \nInvestors who stick to a consistent investment strategy for the long term (which is exactly what retirement planning is all about) tend to come out ahead. Despite occasional market crises, financial markets have historically recovered. However, it is important for you to keep in mind that past performance is not a guarantee or prediction of future results.  \nThis chart compares two investors—one who left money in the market for 20 years, and one who reacted to market volatility and took money out, missing the 10 best days of performance.  \nIf you had missed the 10 best days of the domestic large-cap stock market in the last 20 years1 ...  \nTotal Return  \n10.0%  \n9.0%  \n8.0%  \n7.0%  \n6.0%  \n5.0%  \n4.0%  \n3.0%  \n2.0%  \n1. 0%  \n0.0%  \n... your total return could have been reduced from 7.68% to 4.0% .  \nS&P 500® Index 20-year return  \nS&P 500 Index 20-year return without the 10 best days  \nFOR ILLUSTRATIVE PURPOSES ONLY. Source: Morningstar Direct. S&P 500 returns January 1, 1997, through December 31, 2016. Returns expressed as total returns. This chart is intended for illustrative purposes only; it is not investment advice. Past performance is not a guarantee of future results. Calculations conducted by Advised Assets Group LLC, a registered investment adviser and wholly owned subsidiary of Great-West Life & Annuity Insurance Company (GWL&A) .  \nFor more information, call us at the phone number on your statement or visit your plan's website today.  \n1 A benchmark index is not actively managed, does not have a defined investment objective and does not incur fees or expenses. Therefore, performance of a fund will generally be less than its benchmark index. You cannot invest directly in a benchmark index.  \nCore securities, when offered, are offered through GWFS Equities, Inc. and/or other broker-dealers.  \nGWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company.  \nThis material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for investment, accounting, legal or tax advice. Representatives of Empower Retirement do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed.  \nEmpower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY; and their subsidiaries and affiliates. The trademarks, logos, service marks and design elements used are owned by their respective owners and are used by permission. ©2017 Great-West Life & Annuity Insurance Company. All rights reserved. Form\\# F6001 AM\\#121405-0317  \nUnless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency","cbCaiiv0UWERp5aY","https://ap.wps.com/l/cbCaiiv0UWERp5aY","pdf",108002,"English","# Key Message\n## Why volatility changes decisions\n## Consistent long-term investing\n## Illustrative total return comparison\n## Important disclaimers","[{\"question\":\"How does stock market volatility affect retirement planning?\",\"answer\":\"Volatility can challenge funding decisions for retirement and may increase concern about the economy’s impact on personal finances.\"},{\"question\":\"What behavior can hurt returns during uncertain markets?\",\"answer\":\"Moving all assets to less risky investments or delaying investing can lead to missing strong market performance days.\"},{\"question\":\"What does the chart compare?\",\"answer\":\"It compares two hypothetical investors: one staying invested for 20 years and one reacting to volatility by taking money out and missing the 10 best days of performance.\"}]","Market Volatility - Invest Consistently for the Long Term | PDF"]