Market Volatility Reminds Us: Retirement Isn’t a Reaction. It’s a Long-Term Strategy
We all feel the ripple effects of market volatility. Advisors are fielding tough questions. Employers are wondering how to best support their teams. And savers—many of whom are doing everything right—still feel unsure about what comes next.
The unease is real. But so is the potential for great progress.
Consider this: during the 2008 financial crisis, 401(k) participants who stayed invested in equities saw their balances increase by 50% by mid-2011. Those who pulled out entirely? Just 2%. A similar story repeated itself during the early days of the COVID-19 pandemic. Those who stayed the course recovered—and grew—their savings in the months that followed.
If there’s one thing the data—and history—makes clear, it’s this: steady saving over time works. It builds resilience. It empowers people to weather downturns. And it leads to stronger outcomes in the long run.
At Vestwell, we believe this is exactly why our mission matters now more than ever. As the backbone of the modern savings economy, we deliver the technology and services that support people’s financial futures and champion a culture of saving. We are working every day to close the savings gap and create a more secure financial future for all.
That mission shows up in the way we support everyone involved in the savings journey. For advisors, that means having the tools to deliver guidance at scale. For employers, it’s smarter benefits design that meets employees where they are. And for savers, it’s clarity, access, and the confidence to keep going—even when the path ahead feels uncertain.
We’re also seeing a new wave of benefits redefine what financial wellness looks like. Programs like student loan repayment and emergency savings accounts don’t just address immediate needs—they remove roadblocks that keep people from contributing to their retirement. These tools are critical to building consistency and keeping long-term goals within reach. That’s the kind of change I’m proud to support.
It’s technology that works in the background—removing friction, expanding access, and helping every user—advisor, employer, or saver—move forward with confidence.
The future of retirement will be shaped by steady guidance, meaningful investment in people, and the quiet consistency of individuals choosing to stay the course—even when times feel uncertain.
It’s a privilege to help lead that future—and we’re just getting started.
Aaron Schumm
Founder and CEO, Vestwell
