Noting the volatility of various retirement products and the long-term uncertainty of global markets, financial advisor Michael Reynolds recommended Tuesday that investors always keep one bullet in the chamber, just in case. Even if youre a more conservative investor who keeps most of your savings in bonds and money market accounts, it just makes a lot of sense to have a round locked and loaded at all times in the event of a major financial market disruption, said Reynolds, who stressed the importance of maxing out yearly IRA contributions and regularly cleaning and oiling the barrel. Its probably the furthest thing from your mind right now, but the time will come when youll want quick access to it. When the kids are off in college and youre nearing retirement age, and all of a sudden theres an emergency, youre really going to thank yourself for making sure you had that one bullet set aside and ready to go. Reynolds added that while at the minimum, investors will want to have a single bullet in the chamber for themselves, ideally, individuals should make sure they have enough so the whole family is taken care of. 