Market Swings: What Really Matters

Practical Ways to Manage Market Volatility without Overreacting

Market ups and downs can feel unsettling - especially when headlines highlight sharp swings from one day to the next. But volatility is a normal part of investing, and understanding how to manage it can help you stay focused on your long-term goals.

Put Volatility in Perspective

Short-term market movements are often driven by factors like interest rate uncertainty, geopolitical conflicts, and rapidly rising prices at the grocery store and gas pump. Do any of these sound familiar? Although these shifts can create uncertainty, there are not unusual. Over time, markets have historically moved through cycles of growth and decline. For long-term investors, these periods are part of the journey - not a signal to abandon your plan.

Avoid Emotional Decisions

One of the biggest risks during volatile periods is reacting emotionally - selling when markets drop or trying to "time" a rebound. These moves can lock in losses and make it harder to benefit from future market recoveries. Staying invested and sticking to your strategy is often the more effective approach.

Focus on What You Can Control

You can't control the market, but you can control your behavior. Key actions include:

• Maintaining a diversified portfolio to help manage risk

• Continuing your regular contributions, which can allow you to buy investments at lower prices during downturns (and continue receiving your employer match)

• Reviewing (not overreacting to) your investment mix to ensure it still aligns with your time horizon and risk tolerance.

Think Long Term

Retirement investing is a long-term process. Daily or even yearly market movements are less important than the overall trajectory over decades. If you're years away from retirement, short-term volatility may have less impact than you think - and may even present opportunities for growth.

When to Revisit Your Plan

Volatility can be a good reminder to check in on your plan, not to make sudden changes, but to confirm you're still on track. If your goals, timeline, or comfort with risk have changed, it may be worth adjusting your strategy thoughtfully.

Informational Sources: Investopedia: “Protect Your 401(k): Strategies to Navigate Market Crashes” (March 15, 2026); USA Today: “Worried Market Volatility Will Hurt Savings? Here’s What to Know” (March 30, 2026)

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. HUB Retirement and Private Wealth employees are affiliated with and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisers, some of whom may or may not be affiliated with HUB International. HUB International owns the following Registered Investment Advisers: HUB Investment Partners; Global Retirement Partners, LLC; and RPA Financial. Additional information for each individual HUB International Registered Investment Advisor may be found in the respective Form ADV available on the SEC’s IAPD website at https://adviserinfo.sec.gov. Insurance services are offered through HUB International

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