When the stock market plummeted in 2008, did you promptly shift all your stock investments to bonds? Or did you drain your savings accounts and money market accounts, fearing your bank may collapse? An emotional response can be the downfall of many an investor. "It puts [investors] in the position of making the wrong decision," says Helyn Bolanis, president and founder of Parlan Financial. For example, selling stocks after a crash is almost never a good idea since it virtually assures investors will lock in their loss and miss any rebound. Meanwhile, pulling money from deposit accounts such as savings accounts, money market accounts and CDs because of a financial crisis overlooks that FDIC insurance protects individuals from losses (up to a cap) in the event a bank fails.