When the Market Wobbles, Replace Panic with a Plan

Panic is not a pretty emotion -- and it can be especially detrimental when it comes to investing.

Indeed, financial experts often warn that the biggest threat to your retirement savings isn't necessarily volatility but how and when you react to the market's inevitable fluctuations.

Yet, we've all become so accustomed to the seemingly unending upward movement in the stock market that it's a little unnerving to watch it wobble. Who wants to be reminded that what goes up must come down and that pullbacks of 5% to 10%