With rising living costs and longer life expectancy, retirement planning has become more important than ever. While market fluctuations often attract attention, financial experts say the biggest threat to retirement savings is often emotional decision-making. Fear during market downturns and overconfidence during rallies can lead investors to buy high and sell low, damaging long-term wealth creation.
Retail investors should avoid becoming fully allocated to equities at any stage of the market cycle and instead maintain disciplined and diversified exposure, according to First Global Founder and Managing Director Devina Mehra.
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