If the market has you feeling uneasy lately, you’re not alone. When volatility spikes, it’s tempting to retreat or second-guess every move. Many retirees (or soon-to-be retirees) are wondering whether they should stay invested in an unpredictable market. At LaTour Asset Management of Springfield, we believe in stepping back and asking a better question: What will serve your long-term financial goals—not just your short-term nerves?
Market fluctuations are normal and emotional reactions are human. But staying invested—strategically and calmly—preserves purchasing power and protects your retirement income. It even helps you build the future you’ve worked so hard for. It really is that important.
Staying Invested Helps You Maintain Purchasing Power
Retirement isn’t a 5- or 10-year window anymore—it can last 25 years or more. And during that time, inflation doesn’t take a break.
- Your money must grow to keep up. A conservative, all-cash approach may feel safe, but it can quietly lose value year after year.
- Consistent income is important. A well-diversified portfolio can continue to generate dividends and interest—helping you meet daily expenses without having to sell your investments at the wrong time.
In Springfield, many retirees are surprised to realize that the cost of staying too conservative is sometimes just as risky as staying invested during volatility.
You Could Miss the Recovery If You Exit Too Soon
It’s one of the most consistent patterns in market history: the best days often come right after the worst.
- Attempting to “time” the market often results in missing key recovery gains.
- Even missing just a few of the top-performing days can drastically reduce your long-term returns.
We’ve seen it before. Panic leads to selling. Relief arrives too late. Suddenly, the long-term plan is off course—not because of the market, but because of the reaction to it.
It Protects You From Sequence of Returns Risk
For retirees in Springfield and beyond, one of the lesser-known threats is the order of your returns—especially early in retirement.
- If you sell investments during a downturn to cover expenses, you’re locking in losses and shrinking your ability to recover.
- A smart withdrawal strategy can help you pull from more stable assets while giving your equities time to bounce back.
Our retirement income plans are designed to minimize this kind of risk by aligning withdrawals with market conditions—not panic.
It Helps You Avoid Emotion-Driven Mistakes
Market drops stir up powerful emotions: fear and uncertainty. We’ve seen it first-hand: emotional decisions rarely serve long-term goals.
- Panic selling turns paper losses into real ones.
- Chasing gains during a rebound can lead to buying high and losing ground.
- A disciplined strategy anchored in your retirement goals can help you stay the course.
The clients we work with in Springfield feel more confident—not because markets are always calm, but because they have a plan to follow even when things get bumpy.
Diversification Keeps You Grounded and Growing
A diversified portfolio doesn’t eliminate risk—but it helps manage it wisely.
- Spreading your investments across asset classes means you’re not relying on one outcome or sector.
- Bonds, real assets, and alternatives can help soften the blow when stocks pull back.
- Knowing that your portfolio is designed to absorb volatility helps you stay steady when headlines start to swirl.
Keep Your Eyes on the Long Game—We’re Here to Help
Volatility is part of investing—it always has been and always will be. The real question is how you respond—and how your plan is built to respond on your behalf. At LaTour Asset Management of Springfield, we work with clients to create clear, flexible retirement strategies that account for risk, emotion, inflation, and real-life needs—not just market projections. When things feel uncertain, you shouldn’t have to wonder what to do next.
Call us at (877) 888-5724 to start a conversation about how your investment plan can stay resilient in every season.
