Mentally I have been preparing for the day as when the portfolio gets bigger, every 1% drop translate to much bigger absolute figures. In Year 2008 GFC, the portfolio suffers about 50% losses however the losses amount to $50,000. In Year 2020, the portfolio got hits with more that 24% loss however this translates to $250,000 loss. 5 times highers but with less than half % portfolio reduction. This are just Math and if we are to go through stock market history this can happen. If this doesn’t happen, we probably not investing enough.

To mitigate this issue mentally especially so for a salary person, my idea is to Buffer the Fear from the market. This is one primary reason why investment in bonds, gov securities and fixed deposits. Even emergency cash is higher. So what is not seen in equity tracker is SSB, FD and Cash but we do have bonds