The Question
In a hot stock market, how to protect investments?In a hot stock market, how to protect investments?
In September 2025 the stock market index has hit an all-time high. What can we do to protect the money we have that is exposed to risk in the stock market? I have heard buy gold or move out of the stock market but what are our options? Rules for IRA must not move any out unless over 59.5 years old
When the market is at all-time highs, it’s natural to wonder if you should pull back. I don’t believe in trying to time the market or making emotional decisions. Instead, I focus on building disciplined, diversified portfolios that are aligned with each client’s goals, time horizon, and comfort with risk.
With IRAs, you can’t simply move funds out before age 59½ without penalty, but you can manage how the money is invested inside the account. That might mean diversifying across stocks, bonds, and alternatives, rebalancing to keep things in check, and keeping shorter-term dollars more conservative while longer-term dollars stay invested for growth.
The goal isn’t “all in or all out” — it’s about having a plan that works in both good markets and bad, so you can stay on track no matter what headlines say.
If you’d like to review your own allocation and see whether adjustments make sense for your situation, let’s schedule a time to talk.
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