Over the past month, Alvin and myself have both written articles about the market downturn. I tried to explain from a psychological point of view why investors sell out during market crashes, while Alvin shared an excerpt of a newsletter we send to our Value Investing Club members. My wife was not very impressed though. She commented that these ideas we are discussing does nothing to help the retail investor weather the downturn. The man in the street needs something more concrete, something more tangible. They need clearer directions, she said. Well, what the wife wants, the wife gets. #happywifehappylife. I have prepared a flowchart to help the retail investor with their thought process during these trying times. It is self explanatory, and it serves as a good fallback whenever you are in any form of doubt. I will also elaborate further on some of the points in the ......