Market Volatility Resource Center

Help you need from people you trust

Focus on your goals

Most of us are saving toward a goal that is several years, if not decades, down the road. While times of volatility are uncomfortable, it's investors who are nearing or in retirement that are most impacted. That is why now, perhaps more than ever, it’s important to maintain your long-term focus.

Get more perspective on market volatility


We are investment professionals who have your long-term goals and best interests in mind. And while market volatility can be concerning, managing risk is part of what our investment team does for you. Our team of experts develops portfolios that are built to weather fluctuating market conditions and personalized for your unique situation. 

We are here to help

We've seen our share of market events over the last 20 years – both good and bad. Our experience tells us that it's not always easy for investors to stomach the market's ups and downs. If you need to review your portfolio, or just want to talk to someone about what’s going on, we are here for you. To speak with an advisor, call your Retirement Benefits line and select the Investment Advice option.  

Our clients rely on us to help them understand what is happening, how to respond, and what we're doing to help. Before you react, take a few minutes to see how our advisors are responding to frequently asked questions.

401(k) savings and investment management

Insights and perspectives

Your plan sponsor has hired Alight Financial Advisors, LLC (AFA) to provide investment advisory services to plan participants. AFA has hired Financial Engines Advisors L.L.C. (FEA) to provide subadvisory services. AFA is a federally registered investment advisor and wholly owned subsidiary of Alight Solutions, LLC. FEA is a federally registered investment advisor. Neither party guarantees future results. All marks are the exclusive property of their respective owners. © 2022 Edelman Financial Engines, LLC. Used with permission.

* Chart end date is Dec. 31, 2019; the last trough to peak return of 31% represents the return through December 2019.

Bear markets are defined as downturns of 10% or greater from new index highs. Bull markets are subsequent rises following the bear market trough through the next new market high. The chart shows bear markets and bull markets, the number of months they lasted, and the associated cumulative performance for each market period. Results for different time periods could differ from the results shown.

An index is a portfolio of specific securities (common examples are the S&P, DJIA, NASDAQ), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance does not guarantee future results. Investing strategies, such as asset allocation, diversification or rebalancing, do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. Past performance does not guarantee future results.

Source: S&P data © 2020 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. 


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Our clients rely on us to help them understand what is happening, how to respond and what we're doing to help. Before you react, take a few minutes to see how we are responding to frequently asked questions.

Answers you need

Frequently asked questions

Headlines about U.S. regulators taking over Silicon Valley Bank (SVB) and Signature Bank dominated financial news the past few days. You may have questions about what it means for your retirement plan account.

Key points:

  • The issues that affected SVB and Signature Bank are not representative of the overall banking system, which is stable, in our view.
  • Regulators have signaled that they will do what it takes to be a backstop to U.S. banks and depositors.
  • The situation is dynamic, and as always, if you are in the Professional Management Program, we are monitoring your portfolio as events unfold.
  • We believe this is a short-term situation, but we encourage you to speak with Alight Financial Advisors if you have questions or concerns.
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