US - Experts have warned the baby boomer generation to "plan not panic".
Janken pointed out that withdrawing funds for retirement living at the beginning of a downward cycle in the market could cause irreparable damage to a retirement portfolio.
Janken said: "They have good reason to be concerned. A decline in the stock market at the beginning of retirement has a major impact on their retirement funds."
Janken said market conditions created an uncertain factor for retirees, who otherwise could control the two other most important elements of a retirement plan, allocation of assets and the amount of money they spend.
"Quite naturally, lack of control over the market further aggravates a basic fear haunting most retirees," he said. "It comes in the form of a question I hear often from clients: 'Will I have enough money to live on?'."
He said clients should keep a healthy percentage of retirement funds liquid to ride out the fluctuations in the market.
Most respondents in this week's Pensions Buzz do not think businesses should be able suspend AE contributions if in financial distress.
Former BHS owner Dominic Chappell has lost the appeal against his section 72 conviction and sentence for failing to hand over information to The Pensions Regulator (TPR).
This week's top stories include Marsh and McLennan Companies agreeing to buy JLT, and the home secretary calling for AE to be scrapped in a no-deal Brexit scenario.
Lesley Titcomb says the watchdog wants closer interactions with pension funds to spot problems sooner and act before having to use its more stringent powers