I just pre-empted our pink paper’s headlines over the next few weeks.

My answer is “I do not know”. Far more importantly to make money in the ow.

Go back to the work desk and re-look at your portfolio. Then see whether you bought those shares to hold on to them till 2022 or 2032. Then see if the price targets will be met. If yes, then relax. Will the prices fall now? Perhaps yes. Will we go into a bear market recession? I do not know. But hello, one day markets will TURN bearish. You need to be prepared for that. If you are using a SWP in a balanced fund with 75% equity, to pay your EMI, you are INSANE. Completely insane immaterial of who sold you that product!

Equity money is LONG TERM money. It is comfortable money – you withdraw because you saw a great run, and you need the money for having fun NOT under duress. Learn meditation – Vipassana – some of the top Indian minds swear by it.

Try keeping emotion out of it. Stop blaming yourself for the world around you! If you are clear that you have a 4-5 years to go AT THE LEASTST

Stop believing the over compensated non understanding middlemen. I mean the RBI and the press. RBI may increase interest rates if the US raises interest rates. Dovish talk and Hawkish action are pretty common is it not? With inflation rearing its head interest rates cannot be far behind.

So take a hard look at your portfolio – the bad apples have to go anyway. Take a deep breath – and see if your GOALS will be met by that portfolio. If the answer is yes, relax.

Stop fooling yourself that you know more than the market. Stop fooling yourself that you will learn Meditation without a guru.