Protecting against risk is the most important concern when it comes to managing retirement assets, according to Charles Schwab’s latest quarterly Retirement Pulse Survey. Schwab’s survey found that 35 percent of Americans consider protecting retirement assets to be more important than growing those assets while only eight percent consider growing retirement assets more important than protecting them. The 2008 downturn may have had a particular impact on younger Americans who noted in the survey they were most likely to sit on the sidelines in the next six months and move assets into more stable investments, such as money markets and savings accounts according to a recent report on www.marketwatch.com.