With so much market news competing for attention, it is natural for investors to ask, “What stocks to buy?” But for long-term investors, particularly those planning for retirement, a more important question may be whether their overall portfolio is allocated appropriately.

If you’ve recently searched “market drop before retiring,” you’re certainly not alone. With ongoing uncertainty surrounding inflation, interest rates, geopolitical tensions, tariff discussions, and continued market volatility, many Americans approaching retirement are wondering if now is the wrong time to retire. Headlines change almost daily, and it’s easy to find conflicting opinions on YouTube, heated debates on Reddit, or viral financial advice on TikTok telling investors to either sell everything or buy the dip.

Millions of people are questioning whether they are actually on track. Recent retirement confidence research shows that 58% of people feel behind on retirement, highlighting a growing concern among workers who worry they may not have enough saved to maintain their lifestyle after leaving the workforce.

Retirement planning is supposed to give you confidence about the future. But for many people, the opposite happens. They start calculating how much they need to save. They look at their investment accounts. They think about inflation, taxes, health care, Social Security, and the possibility of living 20 or 30 years in retirement.

When investors think about financial mistakes, they often imagine buying the wrong stock, investing before a market decline, or taking too much risk. In reality, one of the most costly investment decisions is often the one that never gets made at all.

According to the latest Employee Benefit Research Institute (EBRI) Retirement Confidence Survey, the median expected retirement age is 65, while the median actual retirement age is 62. However, many workers now expect to work even longer than previous generations, with more than one in five workers saying they may never retire.