Market Volatility: What You Can Control—and Why It Matters

Lately, the markets have been anything but steady. For many investors—especially those approaching retirement—it’s been a rollercoaster.

But here’s the thing: that’s normal.The average intra-year decline in the market is about 14%. Yet despite that, 34 of the last 45 years ended with positive returns.

Volatility feels scary, but it doesn’t mean your plan is off course.

📉 Timing vs. Time In the Market

Trying to time the market is tempting—but extremely risky.Miss the 10 best market days in 20 years, and your returns could be cut in half.And those best days? They often come right after the worst.

That’s why I encourage clients to zoom out and stay focused on their long-term strategy.

✅ What You Can Do

• Stay diversified across asset classes and regions

• Reassess your risk based on your time horizon

• Maintain a cash buffer for short-term needs

• Stick to your contribution plan—especially if you’re still in growth mode

  
  

🧭 Need Help Navigating This?

Here’s the truth: you don’t have to figure this all out on your own. Working with a trusted financial professional can give you clarity, confidence, and a real strategy for your future.

As a Certified Financial Planner™, I help people just like you manage risk, stay invested, and make smart moves through all market cycles.

If you're ready for a plan that brings calm to the chaos, schedule a free consultation. 

Let’s make sure your retirement—or your financial future—is still on track.

Thank you,

Sid Misra, Certified Financial Planner™

Beacon Financial Group

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

The opinions voiced in this material are for general information only and are not intended to provide specific advice financial or tax recommendations for any individual.

All performance referenced is historical and is no guarantee of future results.

All indices are unmanaged and may not be invested into directly.