Not that anyone can guarantee anything. And not that you are wrong to keep an eye on the market and how it affects your investments. But there’s a secret that may help.
You don’t do your retirement all at once!
Of course, there may come a time that you declare an actual date when you are officially retired. And so, if the market is down on that date, you might be tempted to freak out, seeing how much less there is for you to live off of today than just a few weeks ago.
But what goes down can go up. And markets have historically always gone up. Even if it takes time. (See link below for more info and a comforting chart you can turn to as often as needed during the scariest times.)