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Remember this. Every rise is not the top and every fall is not an opportunity to buy. Don’t always jump to do bottom fishing. The portfolio returns are not impacted much by buying small amounts during market falls. It’s better to wait for markets to fall further or to stabilize before you commit fresh investments. Yes, you may miss out on a few opportunity but will also be protected when markets run into a bear phase from continuous fall over a long period of time. A token buying from clients to show support and belief in the market is welcome but not a strategic allocation. Waiting helps – both while going up as well as when going down.