In early 2018, the Dow Jones Industrial Average fluctuated wildly, leading many investors to make rash, emotional decisions. This, more often than not, resulted in untimely investment decisions and a decline in the value of their portfolio. Rather than overreact to short-term market swings, many experts suggest a better idea. They say you, the investor, should embrace diversification, which provides insulation from the volatility. This approach applies not only to your cash account, but also your retirement accounts, where some companies are making it easier than ever to invest across various asset classes.