There’s a large amount of investors sitting on the sidelines, parking their money in treasury bills, CD’s or money market accounts too scared to make a move. For those that lost a lot of money during the recent crash and need their investments to grow in order to fund their retirement, this may not be your best move.

If you lost a lot of money in the recent crash, you were probably too heavily invested in stocks. Now’s the time to take a good and honest look at what happen, see what lessons you learned from the experience and make plans for the future. The past is just that, the past and now it’s time to plan ahead.

Baby boomers, especially baby boomers that are 10-15 years away from retirement suffered some of the most severe losses to their portfolios when the stock market plummeted. Many sold all their holdings at the low points in March and now fear getting back in the market only to get burned again.

If you feel anxious about looking at your investments or your stomach turns into knots thinking about how to reinvest your money so your investments grow adequately to fund your retirement, please know, you’re not alone. That said, the sooner you make a decision to do something with your money, even if its baby steps at first, the sooner you’ll feel like you’re back on track again.

Playing it safe after a global financial crisis that nearly led to a replay of the Great Depression makes sense for a while. Now it’s time to look around and see what options you have available. The sooner you do this, the better.