At PensionPlus, we give you a paycheck you can count on. Your paycheck should not be affected by market swings, as we automatically include a buffer for the usual ups and downs of the markets. However, if there is an extreme and prolonged market deviation from historical norms (either increase or decrease), we will alert you about potential changes to your plan that help ensure you won’t run out of money. Your Social Security benefit is not impacted by market fluctuations.