Is Your 401(k) Ready for What’s Coming? Why Now Is the Time to Protect Your Retirement Savings
As new tariffs roll out and global markets react with volatility, many Americans are starting to feel the pressure in a very personal place — their 401(k).
If you're watching your account balance dip with each new headline, you're not alone. And you're not powerless.
The Hidden Risk in "Riding It Out"
For years, we’ve been told to “ride out the market” and “stay the course.” But if you're 5 to 10 years from retirement, time is no longer on your side the way it once was.
Think about it:
If the market drops 20–30% in the next year, how much time do you have to recover? And more importantly — do you want to take that chance?
Most retirement plans are heavily market-dependent. That means when the market drops, so does your future. With new tariffs increasing costs, tightening profit margins, and fueling inflation, the market is becoming more unpredictable — and riskier — by the day.
What’s Happening in the Market Right Now?
The latest wave of tariffs is creating economic uncertainty. We're seeing:
Increased costs for goods and services
Pressure on U.S. businesses and consumers
Investor uncertainty driving market swings and volatility
A shaky outlook for growth and earnings in key sectors
All of this translates to one thing: your 401(k) is exposed.
And exposure during your pre-retirement years can be devastating.
What Can You Do?
The good news: there are proven strategies to protect your retirement savings and still grow your money — without riding the Wall Street rollercoaster.
Here are just a few solutions many pre-retirees are turning to:
Annuities with guaranteed income and no market downside
Indexed Universal Life (IUL) policies that allow for tax-advantaged growth
401(k) Rollovers into safer vehicles with more control and flexibility
Principal-protected strategies that remove the guesswork and the fear
These are not one-size-fits-all products — but they can be tailored to fit your retirement goals and timeline.
Don’t Wait Until It’s Too Late
Most people wait until after they’ve lost money to start asking questions. But by then, it’s too late to recover what’s already gone.
Ask yourself: How much are you willing to lose before you make a move to protect your 401(k)?
If you’re nearing retirement and feeling uneasy about what’s happening in the market right now — it’s time to act.
📞 Let's Talk: Secure Your Retirement While You Still Have Time
We specialize in helping professionals approaching retirement take control of their financial future — before the market does it for them.
👉 Schedule your free Retirement Protection Session today!
We’ll walk you through your options and show you how to preserve what you’ve built, create reliable income, and enjoy peace of mind — no matter what happens with tariffs, interest rates, or the market.
Retirement Planning Consultations are FREE! For more information visit www.kwesichildress.com, call me directly at (310) 256-7377 or send an email to kchildress@cigbh.com to book an appointment today!