HOUSTON -- Anyone watching the stock market these days knows that, in many cases, there is reason to be worried.

But economists say if you’re concerned about your future and your investments, you may be better off taking a step back.

For most people, retirement plans are typically long-term investments.

Economists agree that in the case of 401Ks, you shouldn’t touch the investment if you are still 10 years or more away from retiring.

Even a small withdrawal could, in the long-term, take a huge chunk out of a plan.

Experts warn that making a drastic move today could land you in a bad place tomorrow.

They say the move to pull out now would mean missing out on the upside potential on the bounce.

The best thing to do is to keep contributing to your plan.

Foreign markets aren’t doing as well as they once were, so experts say it’s a good time to move into equity markets – stocks listed on the S&P 500 – instead of bonds or cash.