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Market corrections reveal whether you have investments or whether you have a retirement plan. If you are deciding whether to keep funding your TSP or 401(k), move toward the G Fund, or stay disciplined during market volatility, this conversation is for you.

In this video, we discuss what to consider during a market downturn, how ongoing TSP or 401(k) contributions can work during lower markets, why timing the market requires being right twice, and why reducing risk should be part of a plan rather than a reaction to fear.

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WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

TIMESTAMPS
0:00 Market Advice, Panic, and Staying the Course
0:26 Retiree vs. Working Perspective on Market Drops
1:18 Why Market Losses Trigger the Urge to Act
2:41 Recency Bias and Emotional Investing Decisions
3:43 What Staying the Course Means in a Retirement Plan
5:17 Dollar Cost Averaging in Your TSP or 401(k)
7:29 Adjusting Allocation Before Retirement
10:18 Federal Pension Income as a Retirement Foundation
12:19 Down Market Checklist for Retirees
15:13 Why Timing the Market Requires Two Hard Decisions

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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