We’ve seen firsthand how unpredictable the markets have been in 2025. One moment the S&P 500 drops 10% in a week, and the next, it rebounds just as quickly. It’s no surprise many of our clients are asking the same thing: How do I protect my retirement savings when everything feels so uncertain?

We don’t have a crystal ball, and we never give one-size-fits-all advice. But we can share some of the general steps and conversations we’re having with clients to help them stay steady in a shaky environment. If you’re feeling unsure, consider speaking with a financial professional about what’s right for your situation.

Asset Allocation (and Reallocation)

The classic 60/40 mix of stocks and bonds has had a rough run lately, returning just around 2% annually over the last few years. That’s prompted a lot of folks to rethink how they’re diversified.

Some investors are exploring ways to broaden their portfolios, like adding in alternative investments or defensive assets. Gold, for example, has jumped 23% in 2025, making it a topic of interest in many of our discussions.

Reinforcing Emergency Savings

One of the most common mistakes we see is people tapping into their retirement savings during market dips. To avoid that, we suggest a 12-month emergency fund, double what many used to aim for.

That kind of cushion can help reduce the temptation to dip into retirement savings during market dips. We’ve been helping clients brainstorm realistic ways to build it up over time, without derailing their other goals.

Using Consistent Investing Strategies

Markets go up, down, and sideways, but consistent investing can smooth the ride. By investing a fixed amount at regular intervals, avoid trying to time the market (a losing game for most). This approach isn’t for everyone, but it can help take some of the emotion out of investing and smooth out the highs and lows over time.

Again, whether this is a good fit depends on your personal goals and comfort level, so we always recommend talking it through.

Considering a Mix of Defensive Assets

Retirement planning doesn’t have to mean “all in” on stocks. These might include:

• Gold – a reliable hedge against inflation and uncertainty
• Treasury Bonds – a lower-risk, steady income option
• Cash Equivalents – like money market funds for short-term flexibility

Having a portion of your portfolio in these areas can add a layer of protection that feels like a financial safety net.

Keeping a Long-Term Perspective

It’s tough to stay calm when markets dip, but reacting emotionally can do more harm than good. Retirement savings are a long-term commitment, that means staying invested through the ups and downs, and adjusting strategies, not abandoning them when things get bumpy.

Getting the Right Guidance

There’s no one-size-fits-all strategy for retirement. Your savings structure should match your timeline, goals, and risk tolerance. Everyone’s financial situation is different, so what works for one person might not make sense for another. That’s why we work closely with each client to design a plan that feels right, and make adjustments when life or markets change.

If you’re unsure about your current setup, we’re here to talk through it. Sometimes, a small tweak can make a big difference.

Final Thoughts

We can’t control the markets, but we can control how we prepare for them. With the right structure, a long-term view, and a bit of guidance, you can feel more confident in your retirement plan, even during uncertain times.

If you’d like help reviewing or adjusting your own retirement savings, reach out. We’re always here to support you.

— SJB Global Team

Sources

1. Barron’s – “60/40 Portfolios Are Letting Investors Down. Here’s What to Do.”
2. MarketWatch – “Experts now recommend a 12-month emergency fund. Here’s how to quickly save thousands in cash.”
3. Mutual of Omaha – “Tips to Help Prepare Your Retirement Savings for Market Volatility.”
4. Annuity.com – “Retirement Planning Strategies for Volatile Markets.”
5. NY Post – “What advisers are telling clients about their 401(k)s amid Trump tariffs.”
6. Business Insider – “5 ways financial advisors are guiding investors through a hellish patch in markets.”