{"id":10321,"date":"2025-04-07T08:58:55","date_gmt":"2025-04-07T12:58:55","guid":{"rendered":"https:\/\/kerryhannon.com\/?p=10321"},"modified":"2025-04-08T10:29:04","modified_gmt":"2025-04-08T14:29:04","slug":"how-to-protect-your-money-during-economic-uncertainty-stock-market-rout","status":"publish","type":"post","link":"https:\/\/kerryhannon.com\/?p=10321","title":{"rendered":"How to protect your money during economic uncertainty, stock market rout"},"content":{"rendered":"<div class=\"article-wrap no-bb yf-1q5efao\">\n<div class=\"byline yf-12e28ar\">\n<div class=\"byline-attr yf-12e28ar\">\n<div class=\"byline-attr-author yf-12e28ar\">\n<div class=\"byline-attr-author-list yf-12e28ar\">\n<div class=\"byline-attr-logo yf-12e28ar\">After years of swelling market gains, it\u2019s staggeringly clear: Markets can and do go down, fast.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"body-wrap yf-1q5efao\">\n<div class=\"article-wrap yf-1q5efao\">\n<div class=\"body yf-3qln1o\">\n<div class=\"atoms-wrapper\">\n<p class=\"yf-1090901\"><a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/live\/stock-market-today-sp-500-nasdaq-plunge-dow-drops-1200-points-as-trumps-tariffs-rip-through-global-markets-133046436.html\" data-i13n=\"cpos:1;pos:1\" data-ylk=\"slk:U.S. stocks plummeted Thursday;cpos:1;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"10\" data-v9y=\"1\">U.S. stocks plummeted<\/a>\u00a0after President Trump&#8217;s &#8220;Liberation Day&#8221; tariffs detonated through markets across the globe. And tariffs aren\u2019t the only factor investors and savers are navigating right now \u2014 much of the financial footing beneath us feels shakier than ever.<\/p>\n<p class=\"yf-1090901\">There\u2019s the stomach-churning uncertainty millions of workers are grappling with over job losses. There&#8217;s a haunting concern about Social Security and its future. The former head of the\u00a0<a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/why-social-securitys-former-head-is-worried-it-could-miss-payments-to-seniors-190352668.html\" data-i13n=\"cpos:2;pos:1\" data-ylk=\"slk:Social Security Administration has cautioned;cpos:2;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"11\" data-v9y=\"1\">Social Security Administration has cautioned<\/a>\u00a0that the agency could be at risk of missing payments to seniors for the first time in its history thanks to the massive staffing cuts planned by the Trump administration.<\/p>\n<p class=\"yf-1090901\">Gas prices are rising and economists are openly warning of a recession.<\/p>\n<p class=\"yf-1090901\">The news is coming at us fast, and if you\u2019re like me, you\u2019re anxious.<\/p>\n<p><strong><em><a href=\"https:\/\/finance.yahoo.com\/personal-finance\/investing\/article\/how-to-protect-your-money-during-economic-turmoil-stock-market-volatility-174937265.html\">Read on Yahoo Finance<\/a><\/em><\/strong><\/p>\n<p class=\"yf-1090901\">I asked several financial advisors what they\u2019re telling clients about how to manage their money in these unpredictable and unprecedented times.<\/p>\n<p class=\"yf-1090901\"><em>Read more:\u00a0<\/em><a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/taxes\/article\/what-is-a-tariff-194059448.html\" data-i13n=\"cpos:3;pos:1\" data-ylk=\"slk:Trump's tariffs: What they mean for the economy and your wallet;cpos:3;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"12\" data-v9y=\"1\"><em>Trump&#8217;s tariffs: What they mean for the economy and your wallet<\/em><\/a><\/p>\n<figure class=\"wp-block-embed wp-block-embed-youtube is-type-video is-provider-youtube epyt-figure\"><div class=\"wp-block-embed__wrapper\"><iframe loading=\"lazy\"  id=\"_ytid_99391\"  width=\"640\" height=\"360\"  data-origwidth=\"640\" data-origheight=\"360\" src=\"https:\/\/www.youtube.com\/embed\/YtH0FYkcHT0?enablejsapi=1&autoplay=0&cc_load_policy=0&cc_lang_pref=&iv_load_policy=1&loop=0&rel=1&fs=1&playsinline=0&autohide=2&theme=dark&color=red&controls=1&\" class=\"__youtube_prefs__  no-lazyload\" title=\"YouTube player\"  allow=\"fullscreen; accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen data-no-lazy=\"1\" data-skipgform_ajax_framebjll=\"\"><\/iframe><\/div><\/figure>\n<h2 id=\"ask-what-are-you-most-concerned-about-today\" class=\"header-scroll yf-gn6wdt\"><strong>Ask \u2018What are you most concerned about today?\u2019<\/strong><\/h2>\n<p class=\"yf-1090901\">There\u2019s a long road ahead, and that in itself can be distracting. Lisa A.K. Kirchenbauer, senior advisor and founder of<a class=\"link \" href=\"https:\/\/omegawealthmanagement.com\/\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:4;pos:1\" data-ylk=\"slk:Omega Wealth Management;cpos:4;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"13\" data-v9y=\"1\">\u00a0Omega Wealth Management<\/a>\u00a0in Arlington, Va., told Yahoo Finance the most important question we can ask is: What are you most concerned about?<\/p>\n<p class=\"yf-1090901\">Knowing what the real concerns are for you and your family is critical, she said. \u201cThen you can think about what action you can take to navigate through it \u2014 if anything.\u201d<\/p>\n<p class=\"yf-1090901\">Sometimes the best strategy is to simply sit on your hands.<\/p>\n<p class=\"yf-1090901\">\u201cVolatility is often just noise,\u201d she said. \u201cStaying invested and making strategic adjustments, rather than reacting emotionally, leads to stronger long-term results.\u201d<\/p>\n<h2 id=\"have-a-cushion-account\" class=\"header-scroll yf-gn6wdt\"><strong>Have a \u2018cushion\u2019 account<\/strong><\/h2>\n<p class=\"yf-1090901\">\u201cIt\u2019s important for retirees to anticipate that tariffs may be passed on as price increases in the internationally manufactured goods they buy,\u201d Lazetta Rainey Braxton, a financial planner and founder of The Real Wealth Coterie, told Yahoo Finance. \u201cThis kind of inflation directly affects their household budgets, so savers need to have a disciplined approach to wealth management.\u201d<\/p>\n<p class=\"yf-1090901\">One priority right now is to have a cash \u201ccushion account,\u201d she said. \u201cThis is a critical safeguard to help you navigate inflation, job transitions, sabbaticals, and unexpected opportunities. These reserves provide stability and flexibility in an ever-changing geopolitical and economic environment.\u201d<\/p>\n<p class=\"yf-1090901\">Braxton monitors stock and bond markets \u2014 both domestically and internationally \u2014 through the lens of geopolitical and economic developments, yet her investment philosophy is simple. Stay centered on long-term, wealth-building through\u00a0<a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/why-passive-investing-is-best-for-almost-everyone-saving-for-retirement-140157653.html\" data-i13n=\"cpos:5;pos:1\" data-ylk=\"slk:passive index investing;cpos:5;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"14\" data-v9y=\"1\">passive index investing<\/a>\u00a0and diversification \u2014 a mix of U.S. and international stock and bond funds, as well as real estate.<\/p>\n<h2 id=\"remember-your-long-term-goals\" class=\"header-scroll yf-gn6wdt\"><strong>Remember your long-term goals<\/strong><\/h2>\n<p class=\"yf-1090901\">How many years until you plan to retire? That number is key in the moves you make now.<\/p>\n<p class=\"yf-1090901\">\u201cThe mistake a lot of people make is selling out of positions when the market is lower,\u201d John Anderson, a certified financial planner at Equitable Advisors, based in Chicago, told Yahoo Finance. \u201cIf there are still several years until retirement, and you&#8217;re an individual that might be doing the bulk of your retirement savings in a vehicle through your employer like a 401(k), continue to do those systematic investments while the market is down, because you are going to be buying shares more cheaply before the market rebounds.\u201d<\/p>\n<p class=\"yf-1090901\">Anderson is spot on.<\/p>\n<p class=\"yf-1090901\">If you\u2019re investing money automatically in your employer-sponsored retirement plan or an IRA, you&#8217;re investing when the market is ripping and when it\u2019s tanking, and that means the return on your investments evens out over the long haul.<\/p>\n<p class=\"yf-1090901\">If you\u2019re like many retirement savers and invest in a target-date retirement fund, your account is automatically adjusting for market gyrations.<\/p>\n<p class=\"yf-1090901\">With a\u00a0<a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/how-to-build-your-own-target-date-retirement-fund-163013801.html\" data-i13n=\"cpos:6;pos:1\" data-ylk=\"slk:target-date retirement fund;cpos:6;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"15\" data-v9y=\"1\">target-date retirement fund<\/a>, you pick the year you\u2019d like to retire and buy a mutual fund with that year in its name (like Target 2044). The fund manager then splits up your investment between stocks and bonds, typically both US and international, changing that balance to a more conservative blend as the target date approaches.<\/p>\n<div class=\"flourish-container yf-gf7d9g\" data-src=\"visualisation\/21178708\" data-testid=\"flourish-container\"><a href=\"https:\/\/kerryhannon.com\/?attachment_id=10322\" rel=\"attachment wp-att-10322\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"10322\" data-permalink=\"https:\/\/kerryhannon.com\/?attachment_id=10322\" data-orig-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-07-at-8.44.52%E2%80%AFAM.png?fit=1554%2C1334&amp;ssl=1\" data-orig-size=\"1554,1334\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Screenshot 2025-04-07 at 8.44.52\u202fAM\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-07-at-8.44.52%E2%80%AFAM.png?fit=300%2C258&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-07-at-8.44.52%E2%80%AFAM.png?fit=640%2C549&amp;ssl=1\" class=\"aligncenter wp-image-10322 size-full\" src=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-07-at-8.44.52%E2%80%AFAM.png?resize=640%2C549&#038;ssl=1\" alt=\"\" width=\"640\" height=\"549\" \/><\/a><\/div>\n<h2 id=\"near-retirees-downshift\" class=\"header-scroll yf-gn6wdt\"><strong>Near retirees, downshift<\/strong><\/h2>\n<p class=\"yf-1090901\">Are you retiring within three to five years? Listen up.<\/p>\n<p class=\"yf-1090901\">\u201cIf you&#8217;re in a position where you are a little closer to retirement and you&#8217;ve built that nest egg up, then it&#8217;ll be good to work with your advisor to see what strategies or products are out there that might protect you from downside loss,\u201d Anderson said.<\/p>\n<p class=\"yf-1090901\">\u201cGenerally speaking you might want to shift to a portfolio with less risk, by diversifying out of equities and more into fixed income holdings.\u201d<\/p>\n<p class=\"yf-1090901\">That\u2019s solid advice and in line with what I heard from many of the pros I talked to. When you\u2019re close to stepping away from a steady paycheck. or already retired, you should have at least five years\u2019 worth of living expenses in a combination of high-yielding savings accounts, CDs, money market funds, and high-quality bonds.<\/p>\n<p class=\"yf-1090901\">Today\u2019s high rates have made cash, Treasurys, and bonds attractive again, Kirchenbauer said. \u201cWith 4% to 5% yields now available on low-risk investments such Treasuries, CDs and money market accounts, investors have an opportunity to earn competitive returns while waiting for more clarity on inflation and rate cuts.\u201d<\/p>\n<p class=\"yf-1090901\"><em>Learn more about<\/em><a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/best-high-yield-savings-account-203140689.html\" data-i13n=\"cpos:7;pos:1\" data-ylk=\"slk:high-yield savings accounts;cpos:7;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"16\" data-v9y=\"1\"><em>\u00a0high-yield savings accounts<\/em><\/a><em>,\u00a0<\/em><a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/best-high-yield-money-market-203017193.html\" data-i13n=\"cpos:8;pos:1\" data-ylk=\"slk:money market accounts;cpos:8;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"17\" data-v9y=\"1\"><em>money market accounts<\/em><\/a><em>, and\u00a0<\/em><a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-cd-rates-201308688.html\" data-i13n=\"cpos:9;pos:1\" data-ylk=\"slk:CD accounts.;cpos:9;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"18\" data-v9y=\"1\"><em>CD accounts.<\/em><\/a><\/p>\n<h2 class=\"yf-1090901\"><strong>Rebalance on a regular basis<\/strong><\/h2>\n<p class=\"yf-1090901\">\u201cThis is the time to meet with your advisor to review your portfolio,\u201d Kimberly R. Stewart, a certified financial planner with Ameriprise Financial in Orlando, told Yahoo Finance. \u201cThese are important factors in determining how your assets are invested and allocated. The goal is to ensure that your portfolio is properly allocated and diversified based on your investment objectives.\u201d<\/p>\n<p class=\"yf-1090901\">Financial advisors generally suggest rebalancing (adjusting your mix of stocks and bonds) whenever your portfolio gets more than 7% to 10% away from your original asset allocation, which was built to match your time horizon, risk tolerance, and financial goals. To roughly determine what percentage of your portfolio should be in stocks, subtract your age from 110. So, a 60-year-old would have 50% in stocks and the rest in bonds and cash.<\/p>\n<p class=\"yf-1090901\">\u201cThe mistake a lot of individuals make,\u201d Anderson said, \u201cis that they aren&#8217;t reviewing their portfolios on a consistent enough basis, and that might make one vulnerable when distributing funds from these accounts in down markets \u2014 which is going to potentially erode that nest egg faster.\u201d<\/p>\n<h2 id=\"focus-further-down-the-hill\" class=\"header-scroll yf-gn6wdt\"><strong>Focus \u2018further down the hill\u2019<\/strong><\/h2>\n<p class=\"yf-1090901\">It\u2019s time to put some of these good habits in place. As Kirchenbauer told me, this is just the beginning.<\/p>\n<p class=\"yf-1090901\">\u201cThere will be more ups and downs, more back and forth, more uncertainty before we get clarity,\u201d she said. \u201cAs a skier, I think of it this way. This is not unlike when the light is \u2018flat\u2019 and you can\u2019t really see in front of you, but a little farther out, you can see the contours of the slope. What skiers know is that they need to keep their knees bent and just ski through the flat light, staying focused farther down the hill.<\/p>\n<p class=\"yf-1090901\">\u201cRight now, this may be all we can do \u2014 stay flexible and look ahead.\u201d<\/p>\n<p class=\"yf-1090901\">My two cents along these same lines: When I ride down to a jump on my horse, I focus on the jump first, then lift my eyes and look beyond, keeping our pace steady and always moving forward.<\/p>\n<div class=\"byline-attr yf-12e28ar\">\n<div class=\"byline-attr-author yf-12e28ar\">\n<div class=\"byline-attr-author-list yf-12e28ar\">\n<div class=\"byline-attr-logo yf-12e28ar\"><a class=\"primary-link fin-size-small noUnderline yf-1xqzjha\" href=\"https:\/\/finance.yahoo.com\/author\/kerry-hannon\/\" target=\"_self\" data-ylk=\"elm:author;elmt:link;itc:0;slk:Kerry%20Hannon;sec:content-canvas\" data-rapid_p=\"6\" data-v9y=\"1\"><img decoding=\"async\" class=\"tw-bg-opacity-25 tw-rounded-[50%] yf-13q9uv1\" src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/57Y84tZEtUNPUcAs6UP1ng--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTgwO2g9ODA7Y2Y9d2VicA--\/https:\/\/o.aolcdn.com\/images\/dims?image_uri=https%3A%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2023-07%2F41712030-1c23-11ee-bcf7-7d286db2677e&amp;compress=1&amp;progressive=1&amp;quality=75&amp;client=hawkeye&amp;signature=1de715733bdefcb02d735079f8145447d5b31ff0\" alt=\"Kerry Hannon\" \/><\/a><\/div>\n<div class=\"byline-attr-name\"><a class=\"primary-link fin-size-large noUnderline yf-1xqzjha\" href=\"https:\/\/finance.yahoo.com\/author\/kerry-hannon\/\" target=\"_self\" rel=\"author\" data-ylk=\"elm:author;elmt:link;itc:0;slk:Kerry%20Hannon;sec:content-canvas\" data-rapid_p=\"7\" data-v9y=\"1\">Kerry Hannon<\/a>\u00a0<span class=\"byline-attr-meta-separator yf-12e28ar\" data-svelte-h=\"svelte-1yy7aps\">\u00b7<\/span>\u00a0Senior Columnist<\/div>\n<\/div>\n<\/div>\n<div class=\"byline-attr-time-style\"><\/div>\n<\/div>\n<div>\n<div class=\"menuContainer yf-3yi3k4\">\n<div class=\"icon fin-icon primary-icn sz-x-large yf-9qlxtu\" aria-hidden=\"true\"><em>Kerry Hannon is a Senior Columnist at Yahoo Finance. She is a career and retirement strategist and the author of 14 books, including &#8220;<\/em><a class=\"link \" href=\"https:\/\/kerryhannon.com\/?page_id=9253\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:10;pos:1\" data-ylk=\"slk:In Control at 50+: How to Succeed in the New World of Work&quot;;cpos:10;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"23\" data-v9y=\"1\"><em>In Control at 50+: How to Succeed in the New World of Work&#8221;<\/em><\/a><em>\u00a0and &#8220;Never Too Old to Get Rich.&#8221; Follow her on\u00a0<\/em><a class=\"link \" href=\"https:\/\/bsky.app\/profile\/kerryhannon.bsky.social\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:11;pos:1\" data-ylk=\"slk:Bluesky.;cpos:11;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"24\" data-v9y=\"1\"><em>Bluesky.<\/em><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.hupso.com\/share\/buttons\/share-small.png?w=640&#038;ssl=1\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"How to protect your money during economic uncertainty, stock market rout\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"excerpt":{"rendered":"<p>Sfter President Trump&#8217;s &#8220;Liberation Day&#8221; tariffs detonated through markets across the globe, and other factors investors and savers are navigating right now \u2014 much of the financial footing beneath us feels shakier than ever.<\/p>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img src=\"https:\/\/static.hupso.com\/share\/buttons\/share-small.png\" style=\"border:0px; 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