*Warning, this post is not about making you happy, but to remind you to stay in the reality. With recent market slight correction, I can see many anxious and worried faces. Some of the investors' portfolios have went to the red and have not much cash on hand. I am just wondering, these investors can only perform well during bull run? It is actually fine if they hold long term and that is what investment is about. Take Sanye's recent sharing. He surrendered his insurance life policy and get back more than double of what he has paid. Many people are sceptical about insurance and they think they can do much better by buying term and invest the rest. Is it true? Again, I am not advocating buying insurance, but insurance at some points of our life is important to mitigate risk. Even the rich has insurance. Just don't over-insured ......