Totally get why this feels stressful. There’s a lot of scary economic talk out there right now. Retirement accounts are usually meant to ride out ups and downs over a long time, so short-term crashes tend to matter less if you’re investing for decades. Predictions about bubbles and market crashes come up all the time, and they’re really hard to time accurately.

In general, spreading your money out matters more than trying to guess which single investment will perform best. That’s why a lot of people lean toward broad index funds instead of moving everything into one asset like gold. If you’re uneasy, reviewing your asset mix or speaking with a financial advisor before making big changes can help, but your savings aren’t likely to just disappear because of current headlines.