Investing in the stock market can lead to long-term growth in your retirement portfolio, but it comes with volatility. Market returns average 10% annually, but drops of 10% or more are common. Diversification is key to protecting assets from a crash – blend different investments to balance risk. Consider adding non-correlated assets like bonds or foreign stocks for a truly diversified portfolio. Rebalancing regularly is essential to maintain your desired risk level in your IRA as you age. Adjust your allocation to match your changing investment needs. Be prepared for market ups and downs to safeguard your retirement savings.

Read more at Yahoo Finance: How To Protect Your IRA From a Stock Market Crash