Time in the market is more powerful than timing the market | Fortune

"When market volatility shakes our confidence and headlines scream uncertainty, I remind people that the real risk isn't the ups and downs-it's our reaction to them. In 2025, amid escalating global trade tensions, steep tariffs, stubborn inflation and a government shutdown, we've witnessed wave after wave of turbulence. Yet from decades in financial services, I've learned a simple truth: Your biggest risk isn't market volatility - it's how you respond to it. Rather than be reactive and try to time the market, it's important to stay the course."

"Market cycles have always been intrinsic to investing. Since 1928, significant market declines of at least 5% have happened in 92 out of 98 years. Yet despite these downdrafts, the S&P 500 has been positive 79% of the time over one-year periods, and that success rate increases to 100% for those who stayed invested for 11 years or more. Just consider this year: despite a sharp April selloff triggered by tariff fears, the S&P 500 has rebounded more than 30%."

"I often tell people, "Don't let today's headlines steal your tomorrow." In periods of uncertainty, when emotions run high, our financial focus can waver. The important thing is to stay invested and get protected. Stick to your long-term strategy and add some cushioning to help your portfolio ride out bumpy patches. Here are five ways to put that into action."

Emotional reactions to volatility present the greatest investment risk. Market cycles are normal, and frequent short-term declines have historically been followed by recoveries. Since 1928, declines of at least 5% occurred in most years, yet the S&P 500 has been positive 79% of the time over one-year periods and 100% for investors who remained invested for 11 years or more. Attempting to time peaks and troughs undermines long-term growth. Maintain a disciplined, long-term strategy, automate regular contributions, stay invested through cycles, and add portfolio cushioning to protect against short-term shocks.

Read at Fortune