Banking crises have happened since the 1840s and the collapse of key players in the financial ecosystem often which lead to widespread panic and a scramble to preserve capital. The question on everyone’s minds is: ‘Is my money safe?’

Many people would say stocks are risky. However, if properly diversified, risks can be reduced substantially and the probability of stocks giving you gains is as close as guaranteed as your time horizon increases.

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.

Why is the fitness and investment industry worth billions? Their relationship is closer than you think.