You’ve probably experienced that wave of relief before, when you manage to narrowly avoid a disaster. Now that the market is very choppy, it makes sense to take a step back, assess your investments and perhaps take some extra precautions — after all downturns are only a matter of time.

With investors scrambling to add different asset classes into their portfolios to equal their returns to that of 10-20 years ago, they may be exposed to higher volatility than the past as well.

The stock market is bound to collapse eventually. It’s just a matter of when.