Stocks skidded on Monday, building on the market’s worst week in four years. The mayhem, including a 1,000-point drop in the Dow Jones Industrial Average DJIA, -1.84% to start the week, has, understandably, caused many retirement savers to question whether they should shift money out of equities. Time to change course? Fair question.

This quick flowchart, in the simplest of terms, should help answer that.