With the spread of COVID-19 we have collectively entered uncertain times. New stories are breaking every day or even every hour with unsettling details about the virus impact on health and the financial markets. Mercer understands it can be alarming to see your balance shift drastically through these turbulent times. For those of you that are near retirement, that concern may seem even greater. As you look at the changing value of the nest egg you have built from your hard earned savings. However, the truth is that volatility is normal and some might say it's even expected and for many of you, retirement is still in the distant future and your retirement balances are intended to be invested for the longterm.