A dramatically bad day for stocks is no reason to take drastic action with your 401(k) plan.

For retail investors, the rapid global stock market collapse on Monday was worrying, even though there were reports on Tuesday that some recovery was underway.

The expectation that volatility will continue in the foreseeable future may be undesirable.

But if you invest in a 401(k) plan, daily market dramas are no reason to take drastic action in your portfolio. Not only are down days and periods of volatility normal, they can also create good buying opportunities for the managers of the funds you’re invested in. “It’s important to remember that there are always opportunities waiting on the other side of the storm,” Quincy Krosby, chief global growth strategist at LPL Financial, said in a statement.

Andy Smith, executive director of financial planning at Edelman Financial Engines, puts it this way: “Separate your emotions from your money. There will be days when the market goes up and days when it goes down. Focus on your time in the market rather than trying to time the market right.”

His argument: It is impossible to know when is the best time to exit the market and when is the best time to re-enter.

The best thing you can do as a 401(k) investor is to save as much as possible, diversify your investments to minimize risk and volatility in your portfolio and rebalance your investments if your chosen asset allocation gets too out of whack, Smith said.

You should check at least once a year whether your portfolio needs to be rebalanced – but many of us never do this.

For example, let’s say you created a portfolio that was 70% stocks and 30% bonds, but it’s now been converted to a 60/40 portfolio. If 70/30 is still the right split given your goals and time horizon, you can instruct your 401(k) administrator to rebalance your holdings accordingly through your plan’s online portal.

And remind yourself regularly that even bear markets have not stopped long-term increases in stock prices over time. For example, from Aug. 5, 2019, to yesterday, the S&P 500 is up more than 80%. And since 1960, there have been far more positive than negative annual returns in the S&P 500, Smith said.