January 31, 2026 - Wait, markets can go down, now what?

In this episode of Destination Retirement, Robert Kuhn cuts through the market noise and addresses what investors are getting wrong in today’s environment. He explains why simply riding the market up and down is not a strategy, how risk is often misunderstood or ignored, and why volatility exposes weak portfolio construction. The discussion focuses on protecting capital first, managing downside, and avoiding the false comfort of diversification that doesn’t actually diversify. Robert also breaks down how institutional investors think differently—focusing on risk management, tax efficiency, and non-correlated assets rather than chasing headlines or short-term performance. Listeners will gain practical perspective on why traditional models are being stress-tested, what to look for beneath the surface of their own portfolios, and how to approach retirement planning with discipline instead of hope.