The global markets have been in red for the past few weeks and our portfolio was not spared. At one point in time, our portfolio even went all time red/negative after investing since 2015. In such a scenario, it would have been better if we simply left the money in a bank account. At the very least, the capital will be intact and the interest collected over the years will definitely beat the below performance. lol.

We have a friend that lost his confidence and has stopped investing totally. Nothing right/wrong about it, just different risk profile/appetite.

The thing about investing is that it is not linear and there will be volatility. You cannot invest with the mentality that you will be making money all the way (at least not when you first started). However, given a long enough time (20 years?), the portfolio should be resilient enough such that it will