It is never the right time to panic. Long-term destruction comes from panic. Panic feels good immediately. There is a big sense of relief. Thank goodness I'm on the sidelines in cash. And, if the market keeps going down awhile longer, they feel like a genius. But that feeling of relief and genius is short-lived. At some point, when things still look bad, the markets recover, and after a month, a quarter, or a year, the market is above where the investor got out at. 
 
Now they face a really tough decision. Do they buy back in having missed part of the rally and risk being in for the next correction? Or, do they sit and wait, hoping for the market to come back down, only to potentially find that it just keeps heading higher? Talk about a STRESSFUL way to invest! It's a situation many investors never seriously contemplate, until they have to.
 
If you have a propensity to panic, ask yourself this question. If I could sleep through the drama of news events and a down market period, and wake up 5 years later, would I behave differently? Of course, but we don't have that luxury. So, we have to stay prudent and diversified, in a portfolio with the acceptable volatility level for our individual preference, so we can stay disciplined.
 
Why do investors panic? Because fear and pessimism sells. Investors are bombarded with scary headlines whenever markets go down. The fear mongers come out of the woodwork. They make more money off of investors when markets are down, simply by promoting doom and gloom. 
 
We will show you one of the fear mongers, Howard Ruff. We show you how they do it, how they make investors believe they can forecast a coming crash, and how they scare investors during market downturns. Don't be duped. 

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Invest intelligently! 
Scott Buchanan