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With the holiday season now here, it’s already time to be thinking about 2019 and what it may bring for investors. This year has been marked by periods of high volatility and some wild price swings. At the time of writing, many of the major averages are actually showing losses for the year. Investors are certainly holding out hope that next year will be a better one.

But they may not want to hold their breath.

According to the prominent investment bank, Goldman Sachs (GS ), investors may want to get used to the market swings and potentially low returns. Strategists at the bank are predicting more of the same in the new year and its latest missive is a cautious one. Risks abound. For investors, a defense stance could be warranted.

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