It can be a bit overwhelming how much can happen in such a short span of time. Regardless, our philosophy — built on evidence and research — remains the same.

You’ve done everything right: You’ve set a long investment horizon to ensure positive returns, and reduced your equity allocation to make room for bonds to absorb shocks in the market. So what should one do when the invested assets suddenly don’t seem to behave anymore?

Like children, markets can be temperamental and change without warning.