Do not touch them. The odds are on your side when it comes to long-term investing even when the arrow dips down.
In the last 41 years, the S&P 500, the largest 500 stocks in the US, had 31 years of positive returns, and just 10 years of negative returns. 5 of those were in the 2000s (thanks to the dot com bust in 2001 and the 2008 financial crisis).
Here’s how you can win when the markets drop: take a deep breath, stay properly invested, and add to your investments when you can – ideally regularly, but lump sums work too.
Never try and time the market. Anyone who tells you they can market time is selling you dubious goods.
Lori