Should you move your money when markets get scary? Most people confuse temporary volatility with permanent loss. They are not the same thing. Volatility is the price of admission for long term returns. Permanent loss of capital is the real risk. Warren Buffett has never met anyone who consistently times the market. Missing just the ten best trading days halves your portfolio. Stay invested. Read the market temperature. Adjust your formation without leaving the field.

Everyone asks this question. Almost everyone gets the same answer. The problem is that the same answer, given to the wrong person, can quietly cost them years. Super or mortgage? The formula people reach for is not wrong. It is just incomplete. Your age, tax rate, job security and offset account can each flip the answer entirely. Find out which game you are actually in.

Risk is at the center of all investment returns. Do you understand it well enough to harness its power?