From the collapse of the technology bubble in the early 2000s to the subprime lending meltdown that started in 2008, the markets have been anything but predictable. Case in point: The political fight over U.S. debt policies in 2011 roiled the markets and led to an unprecedented downgrade of the nation’s credit.

We’ve seen two big pullbacks in the stock market within the last 10 years, and investors are justifiably fearful that the same thing could happen again. Fortunately, investors can use two key strategies to manage their savings in the midst of an unpredictable market. The important thing is to stick to the fundamentals.

Think long term