The effects of the current stock market downturns on retirement plans and/or retirement planning.?

I want to know what you guys think about this topic

Stock markets are exceptionally volatile as of now and extremely unpredictable. It would be best to make retirements plans irrespective of the stock markets or at least not so much directly affected by them.

The retirement plans need to safe enough in spite of the market could opt to invest in some of the rather secured like Government bonds, Precious metal and real estate etc. The last two would require heavy investment but will be worth every penny.