Protect Yourself Against The Correction That Has Just Begun

US Stocks and bonds suffered losses in Q1 2026, but Commodities earned 40% and Gold continued its gains with a 9% return. Diversification was not paying off until now because US stocks were the best performing assset class for most of the past 17 years. One quarter is too soon to declare a game changer, but there are plenty of reasons to be worried now.

Read more below about investment perormance so far this year and the threats of a masive correction ahead. 

Protect yourself. Take our tour of advancements in retirement savings investments that protect against a stock market crash: https://targetdatesolutions.com/articles/AV-Tour-Short.pdf

Q1 Investment Performance

Diversification worked in the quarter, as evidenced by the performance of diversified Soteria target date funds (TDFs) versus the concentrated funds provided by the TDF Industry.

The Start of a Correction

There are plenty of reasons to worry about what happens next. Here are 4 of them:

What’s next? Lessons to be learned.

"Those who fail to learn from history are condemned to repeat it." — George Santayana

This quarter could be a tipping point for serious market corrections. Younger people will likely recover from such corrections. Baby boomers won’t.

There is a correction ahead. We just don’t know when and how bad. But this time we should learn. Most participants in retirement savings plans want to be protected and think they are, but they’re not. Please take a tour of our solutions to this problem. Safer, better TDFs  will emerge from the ashes.

People in the Retirement Risk Zone spanning the 5 years before and after retirement should be especially afraid at this critical time in their lives..