Riding the Market Roller Coaster? Stay the Course with Confidence

Markets go up. Markets go down. Going up feels good. Coming down? Not so much. But through it all, staying focused on your long-term retirement goals can help you weather short-term uncertainty.

Both Corebridge Financial and TIAA, Missouri State’s 403(b) asset managers, offer helpful tools and insights to keep you grounded when the market feels shaky:

💼 From Corebridge Financial:

Remaining Calm & Focused in Volatile Times
Tips to steady your strategy:

• Keep market volatility in perspective
• Choose an asset mix you’re comfortable with
• Avoid trying to time the market
• Invest regularly to help create balance
• Meet with a financial professional

Focus on Your Goals During Market Ups and Downs

• Take the long view
• Buy low, sell high
• Volatility can mean opportunity

📊 From TIAA:

Managing Your Retirement Savings When the Market Is Volatile
Learn how to tune out short-term noise and focus on long-term performance.

Importance of Diversification
Diversification doesn’t guarantee profits, but it helps manage risk and smooth the ride.

📎 Additional Resources:

• Staying Invested: Why long-term investment horizons matter
• Q1 2025 Chartbook: A comprehensive guide to interpreting the economy and markets, including:
  • CIO overview
  • Market recap
  • 2025 outlook
  • Equities, fixed income
  • 2024 U.S. elections and portfolio strategy

Missouri State offers 403(b) and 457(b) retirement savings options to help both full- and part-time employees reach their retirement goals. These voluntary savings plans are a great way to invest for your future, in addition to the university’s core retirement plans:

• MOSERS  provides a pension benefit that offers stable, predictable income in retirement—helping protect against market volatility.
• CURP is an individual retirement plan, but faculty employees become eligible to transfer to MOSERS after six years of service.

Stay informed and get the latest HR news, benefit insights, and professional development updates by following the HR Blog. Stay updated on wellness events and activities by following the Wellness Blog.