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.

Stocks are one of the few key asset classes that can help you beat inflation in the long run, but with the possibility of growth and returns, come risk and volatility. So, how much of your investments should you allocate to stocks?