In today’s up-and-down markets, how you think about investing matters more than trying to time the market. News headlines might make you want to keep changing your investments, but success comes more from staying calm than making clever moves.

Strategy vs. Tactics

Think of your financial strategy like a map for a journey, while tactics are just small adjustments along the way. Unless something big changes in your life, your main financial plan usually doesn’t need frequent changes.

Remember: Nobody can consistently predict market movements—not even the ‘experts’.

Your Mindset: Your Best Investment Tool

As Warren Buffett said: “The most important quality for an investor is temperament, not intellect.”

A good investor mindset includes:

• Patience to give your plan time to work
• Discipline to stick with your plan even when emotions tell you otherwise
• Perspective to see market ups and downs as normal

Focus on What You Can Control

We can’t control markets or world events—but we can control how we respond. During uncertain times, look at your financial plan instead of worrying about news headlines. Build a plan that can handle market storms, and develop the mindset to stay with it.

Your future wealth depends less on picking winning investments and more on staying calm when others are panicking.