Veronika Tykhonova
๐—›๐—ผ๐˜„ ๐—•๐—ฒ๐—ต๐—ฎ๐˜ƒ๐—ถ๐—ผ๐—ฟ๐—ฎ๐—น ๐—ฆ๐—ฐ๐—ถ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐—›๐—ฒ๐—น๐—ฝ๐˜€ ๐— ๐—ฒ ๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜ ๐—ช๐—ต๐—ฒ๐—ป ๐˜๐—ต๐—ฒ ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐——๐—ฟ๐—ผ๐—ฝ๐˜€ When markets fall, itโ€™s not just our portfolios that sufferโ€”our brains panic, too. Neuroscience shows that financial losses activate the same areas in the brain as physical pain. And behavioral finance studies (like those from Nobel laureate Daniel Kahneman) reveal that we feel losses 2x more strongly than gains. No wonder people want to sell when things go red. But hereโ€™s the hard truth: The average investor underperforms the market because of emotional decisions. (According to Dalbarโ€™s annual studies, the gap is often 3โ€“5% annually.) So whatโ€™s the solution? A rules-based system that overrides panic. I decide my allocation before the storm. I rebalance on a scheduleโ€”not on emotion. I keep a long-term mindset rooted in data, not drama. Staying invested during volatility isnโ€™t easyโ€”but itโ€™s exactly where most of the long-term gains come from. And those who can stay disciplined when others panic tend to be the ones who grow wealth through cycles, not despite them.
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