Should I Cash Out Now and Wait For the Stock Market to Get Better?

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Curious whether you should pull all your money out of the market during turbulent times? In this episode, financial planner Phillip Smith of Tidepool Wealth Strategies (Oregon) provides clarity for late-career professionals (ages 55–65) who may be feeling uneasy about market volatility. 

Discover why knee-jerk reactions, like selling off your stocks and going to cash, often do more harm than good, and how history shows that patient investors typically fare better in the long run. Phillip breaks down the hidden costs of sitting on the sidelines, including lost potential gains and the eroding effects of inflation. 

When things are volatile, people often wonder if it is better to move investments to cash when the market is unstable, or find themselves asking, "What should I do with my 401(k) during a market crash?"

Learn how a well-crafted retirement plan that incorporates diversification, risk management, and defined “guardrails” can help you stay steady and protect your financial future. If you’re concerned about sustaining your cash flow, aligning your portfolio with tax and estate planning, and safeguarding your long-term goals, this podcast episode offers practical insights you can immediately put into action. Don’t let fear guide your decisions. Tune in to understand why remaining invested, with a thoughtful approach, could be the key to lasting financial confidence.

Episode Chapters

1. Introduction
2. Roadmap of the Episode
3. Why Current Market Volatility Feels Scarier Than Ever
4. What History Says About Cashing Out During Crises
5. The Cost of Sitting on the Sidelines
6. How a Thoughtful Plan Can Keep You Steady
7. Action Items
8. Closing

Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.

Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401

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Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.