Retirees say 3 strategies have helped them cope in past weeks - Business Insider

It's a concerning time for many Americans, and is especially tense for anyone watching the money they plan to live on in retirement tumble in the market. In times like these, Mike Cocco, a financial planner with Equitable Advisors, tells Business Insider that having a plan is crucial. "Any plan is a good plan as long as you stick to it," he says.

. Most experts recommend people approaching retirement shift to a more conservative investing portfolio,. This means changing your portfolio allocations in three primary places: stocks, bonds, and cash. A sudden market drop like the one that happened in March highlights the importance of being a more conservative investor and keeping cash instead of more volatile investments when you don't have the time to ride out market fluctuations. "The stock market took a big hit, and the bond market took a big hit, too. The only place that you could really hide out for that period was in cash," Cocco says.

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