Investing in the stock market has always had its inherent risks, with investment returns rising and falling like surfers at Waikiki. While we’ve been hit by some pretty challenging stock market “corrections,” the worst is still predicted to come. Some experts are forecasting that the most severe stock market crashes in history are awaiting us within the next 10-15 years. While we typically look to blame economic growth or international concerns for market fluctuations, a more severe shift could result from the U.S. law that created the individual retirement account (IRA).