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?’

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.

Stock market returns are commonly driven by just a few stocks. The problem is knowing which ones.