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The coronavirus pandemic has sent the U.S. financial markets on a downward spiral. Last week, in just one day, the Dow Jones Industrial saw a 13 percent drop; it’s single biggest drop ever. “A lot of people are scared,” said Kelly Lannan with Fidelity Investments. “They don’t quite know what they are seeing, especially the average investor who is not following day to day.”Lannan explained most people looking at their 401k accounts are worried but advises people to put their market fears and emotions aside. “Market volatility can really be nerve-racking,” Lannan explained. “We get it from Fidelity investments perspective, and more importantly, we are here to help.”Fidelity is advising the best move right now may be no move at all. Referencing social media posts with the phase “don’t touch your face, don’t touch your 401k,” she explains most investors shouldn’t panic and divest their stocks during the economic downturn during the COVID-19 pandemic.“The most important thing to say, and I know this is really hard to hear, is not to panic,” Lannan explained. “This is a part of life, and the important thing to note, as we saw in 2008, is these downturns are usually followed by a recovery.”Not divesting doesn’t mean ignoring your investments and portfolio. In fact, Lannan believes those concerned about their portfolios and 401k’s should use this time to get more familiar with their investment plan and goals. She recommends a few steps in that review process: · Step One: Understand where you have your money by taking a look at your asset allocation and assess if it aligns with your age and your time horizon. If it does not, start making a plan to restructure your investments when the market starts to recover. · Step Two: Assess whether you have a diversified investment strategy. Diversification helps to soften the impact during market downturns. For those who have an employer sponsored retirement plan, you can reach out to your plan sponsor and ask question or get guidance on this. · Step Three: Take a look at your emergency fund. Fidelity recommends having three to six months of your essential expenses in savings. If you don’t have that and are concerned with possible unemployment due to the economic downturn, start to assess which investments you could move money from. Making a move, in terms of selling off your stocks, may not be the best decision now. However, better understanding your investment portfolio may help you make a better investment decision when the markets recover or even calm your concerns as they struggle during this downturn. “We know from behavioral finance that people make really, really bad decisions when they panic,” said Robert Stammers with the Charter Financial Analyst Institute. The CFA also recommends most invested in the stock market should hold off on divesting, especially if they have a long-term investment strategy. “If they do sell they’re going to be selling in a bad market,” Stammer explained. “They’re basically going to be doing what people tell you not to do, which is sell low and buy high, when the market comes back.”Historically, the market always rebounds. In 2008, it took five years, and in 2015 the market bounced back in about 13 months. Stammer pointed out, even with major downswings, overtime, those who stay invested still see an annual eight to nine percent return on average. “People did not think we’re going to get through the 2008 crisis,” Stammer said. “More than 60 percent said, ‘that’s it, this is never coming back, it is never going to be like this again.’ Then, after it did come back, the return on the market was like 17 percent.”The “stay the course” advice applies to mostly those with time to wait out the market. However, if you are closer to retirement, or in it, both Stammer and Lannan suggest you may want to get individual advice from a financial professional. When seeking help from a financial professional, it is wise to ask if that professional is a fiduciary, which is a financial advisor legally required to put your interest over theirs. Unfortunately, during economic downturns emotional investors are often easy targets for scammers or individuals selling financial instruments acting as financial advisors. The CFA has a 4263

The federal government will spend an additional billion to help farmers hurt by the US-China trade war, Agriculture Secretary Sonny Perdue announced Thursday.US farmers have been 195

The Dow Jones traded below 20,000 for the first time since 2017 on Tuesday, but appeared to have stemmed some of the bleeding after Monday's 3,000 point loss.After an early peak, the Dow sunk about 200 points shortly after opening, leaving the markets trading at less than 20,000. But as Trump administration officials spoke about their plan to give 362

The House Intelligence Committee voted along party lines Tuesday night to approve a report that found evidence of President Donald Trump's misconduct and obstruction of Congress is "overwhelming."The report, 220

The Environmental Protection Agency is set Thursday to announce the repeal of the Obama-era Waters of the United States rule that extended federal authority and protections to streams and wetlands, according to a source familiar with the details of the announcement.The announcement is scheduled to take place at the National Association of Manufacturers, a trade group in Washington, DC.The 2015 regulation, commonly known as WOTUS, defined what bodies of water are protected under the federal Clean Water Act but was a favorite punching bag of Republicans, who ridicule it as government overreach. Democrats defended it as necessary to ensure waterways remained pollution-free.Thursday's repeal of the regulation is likely to draw intense litigation from the environmental community. Those groups have argued the Trump EPA's changes to the rule protects fewer small waterways and that could result in more pollution and put people at risk.A source who's been invited to the announcement tells CNN that EPA administrator Andrew Wheeler is expected to sign the finalized rule repealing the regulation."It's the first of two steps. First the regulation has to be repealed then the EPA will move to replace it with a new regulation," the source said. Wheeler unveiled a proposed replacement regulation last December.The EPA announced Wednesday that Wheeler will "make a major water policy announcement" but did not specify what the announcement would be. EPA and the Army Corps of Engineers did not immediately respond to CNN's request for comment.President Donald Trump has repeatedly called clean water a priority for his administration. "We want crystal clean water and that's what we're doing and that's what we're working on so hard," he said in an environmental speech earlier this summer.But the Obama-era rule has been under attack from Trump and conservatives for years.Several states challenged the Obama-era rule, and a federal judge in Georgia 1966