It’s been over a decade since the stock market hit the lowest point of the recession in 2009. Since then, it’s done nothing but seemingly improve. After a decade of seemingly (key word here) bullish activity, one would think that a lot of investment portfolios and retirement accounts would be reaping the benefits, but that’s not necessarily true. In fact, the majority of Americans will still struggle to save enough for retirement. The biggest reason? The majority of stocks are still owned by the richest few Americans. While many Americans were able to bolster their nest eggs by investing during that period, very few middle class Americans were able to see their investments skyrocket at the same rate as the stock market. It’s important to keep this in mind if you plan on relying on the stock market to help fund your retirement. Just because the market is doing well doesn’t mean your portfolio is performing the same. There are various reasons that could be, such as the stocks you invested in, how much you’ve invested, and current events that are outside of your control. Most likely, though, is because your portfolio just isn’t big enough to feel monumental effects from market movements. It’s also a good reminder that you may want to consider having more than one source of retirement income or savings. No, you do not want to invest all of your nest egg in the stock market. There are other ways to earn money to fund retirement, such as investing in a rental property or working a part-time job. Now, back to what I was originally talking about in this post, the fact that a bullish market doesn’t mean that your portfolio will follow the same path. It can be a sobering thought for many investors, but it’s reality. If you are considering investing, as always, talk with a certified financial planner or investment professional. They can help you diversify your portfolio and position it to best take advantage of the market while minimizing risk (or vice versa, if you prefer).