AMARILLO, TEXAS -- Not every investor took a big hit from the $8 trillion fall in the stock market Monday.

It was the biggest loss since 2008, but President of Hoyl Financial Group Steve Hoyl said some of his clients have chosen a more reliable approach to investing. 

"None of our clients lost any money yesterday in the market," he said.  "None of them lost any money in the last year because we put them in guaranteed instruments that have safety and guaranteed principle and they're insured. And so they know that they can have upside potential gains in the market, but no downside risk."

Hoyl pointed out that events like 9/11 cause the market to fall.  But it can bounce right back.  Earlier this month, the market reversed courses 55 times in one day.  This uncertainty, according to Hoyl, strikes fear in people and drives them to back out of the market.

"We've seen stocks go all the way up and turn around and come right back down. So you just have to, again, decide what you're willing to tolerate."

Hoyl said a lot of older people are working rather than retiring because of the losses they have suffered from the stock market.  He suggests the rule of a hundred, where no more than 30 percent of an investor's money is at risk and the other 70 percent is in a safe area.

"Everybody sees this huge opportunity to make all this great money, but really, at the end of the day, what they really want is peace of mind and safety."

No matter which choice investors make with their money, there is one certainty: the stock market is unpredictable and the highest of highs can be followed by the lowest of lows.