The recent stock market volatility hasn’t helped some investors’ nervousness about stocks. They’re nervous because the market’s rise over the last 14 months seems too sudden. They’re nervous because stock prices seem high. And they’re nervous because this bull market has run for a relatively long time.

We’ve written previously that the stock market is a “discounting mechanism.” By this we mean it reflects the probability of future economic growth in current security prices. As we noted in our October blog article, and again in Matt’s 2017 Recap, the stock market’s recent strong performance is being validated by real economic growth and profits. This growth is the result of regulatory reform, tax reform, wage and employment growth, and a growing global economy. Things feel good because they are good, and they’re getting better.

But while the economic underpinnings are strong, investors are still nervous. Our inclination is to argue on the merits that equity prices can still rise and, at a minimum, that they can sustain current levels while earnings grow to catch up to prices. (Aggregate earnings are projected to grow 16% this year.) Instead, we offer you the following ideas for how you can act prudently to address lingering concerns.

Ensure that your asset allocation is appropriate

If you’re within five years of retiring, you need to own some high-quality bonds. By high-quality we mean bonds that you can be sure will return your money in time for you to spend it when you stop working. Don’t overdo it shifting to bonds – you’ll need stocks to drive growth and preserve purchasing power. But allocate enough money to bonds that you don’t have to sell stocks at low prices if a nightmare scenario plays out.

Revisit the amount in your cash savings

We recommend having six months of living expenses readily available to fill in the gaps in an emergency. This amount should be in safe and highly liquid accounts – bank savings accounts, money markets, etc. An alternative to parking a lot of cash in low yielding instruments is opening a home equity line of credit (“HELOC”). HELOCs are a simple means of accessing cash in an emergency. In fact, many small business owners use them as a back-stop for working capital.

Deleverage your personal balance sheet

High-cost debt is a killer to wealth creation and maintenance. Paying off credit cards and other loans with variable interest rates now also makes sense with interest rates rising.

Re-weight your 401(k) or retirement portfolio to include some international stocks

Europe, Japan, emerging markets, Latin America – virtually the whole world – is enjoying a period of synchronized economic expansion. But some markets haven’t risen as much and therefore enjoy lower stock prices and valuations than U.S. stocks. In our portfolios, we invest strategically in companies with meaningful exposure to foreign markets. Assessing geographic diversification with many mutual funds in your retirement account is harder, but you can shift some of the money currently allocated to U.S. large companies to international stocks.

Two final words of caution: whatever you do, don’t stop saving in your retirement accounts. When a correction does happen, regular contributions will unleash power of dollar-cost averaging (i.e. “buy low”). And whenever the next pullback occurs, don’t lose faith and sell when it becomes uncomfortable. The next correction, like every other one before, will pass and you’ll have more money in the end if you remain disciplined.