Investors may already be feeling like 2018 is full of “what ifs?” Naturally, that type of uncertainty can lead to worry. What if an asset class defies expectations, in terms of performance or price? What if a macro driver of returns doesn’t play out the way you envisioned? These are understandable concerns. However, instead of letting “what ifs” and worries build up, why not build a risk management program that can provide strategy, peace of mind, and leeway to adapt if the situation calls for it?