Is market volatility causing emotional volatility? We can help you understand how to move forward Moving or withdrawing money in your retirement account during periods of market volatility can negatively impact your long - term savings goals. Investors who leave their money invested may experience better returns than those who don’t. Missing the market’s best days can affect your return on investment (2003 – 2022) 9.80 % return WITH 10 best days 5.59 % return WITHOUT 10 best days VS It can be concerning when the markets are in flux, but history tells us two things: 1 The markets typically recover over time. 2 Volatility is a normal part of investing. FOR ILLUSTRATIVE PURPOSES ONLY. Refers to the S&P 500 TR USD. Source: Morningstar Direct. S&P 500 returns January 1, 2003 – December 31, 2022. Returns expressed as total returns. This chart is intended for illustrative purposes only; it is not investment advice. Past performance is not a guarantee of future results. Calculations relating to lost investment return created by Empower Advisory Group, LLC., a registered investment advisor and wholly owned subsidiary of Empower Annuity Insurance Company of America. An index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses. Performance of an index fund will generally be less than its benchmark index. You cannot invest directly in an index.