When markets turn choppy, having a solid plan matters. Here are 8 retirement investment strategies worth considering during market turmoil:

1. **Dollar-cost averaging** – Keep investing fixed amounts regularly, whether prices are up or down. Removes emotion from timing decisions.

2. **Diversification across asset classes** – Don't put all eggs in one basket. Mix traditional assets with alternative investments to cushion volatility.

3. **Rebalancing your portfolio** – Periodically adjust your holdings back to target allocation. This naturally locks in gains and adds to underperforming assets.

4. **Quality over speculation** – Focus on fundamentally sound projects or assets rather than chasing hype. Especially crucial in crypto markets.

5. **Build cash reserves** – Keep some dry powder to capitalize on dips. Cash is optionality when others panic.

6. **Understand your risk tolerance** – Know your personal threshold. Some can weather 50% swings; others can't. Invest accordingly.

7. **Long-term perspective** – Market cycles happen. Zoom out. Most portfolio recoveries take months, not days.

8. **Avoid panic selling** – History shows that staying invested through downturns beats trying to time exits. Emotional decisions often hurt returns most.

The key? Stick to your strategy. Markets reward discipline.