If there is one certainty in investing, it is that periodic corrections and volatility in financial markets is a matter of fact. Global equity markets have retreated by about 10% from their September highs. This type of market weakness is typical each year, yet still tends to trigger emotional responses for many investors. In times of stress, remember to consider the big picture. As the chart below shows, over a short period of time such as 1 year, market returns can fluctuate greatly. The longer the time horizon, however, the smoother returns become, and focused investors that stay the course have always been rewarded. Review the needs and goals that guided your original investment decisions, and resist the emotional urge to drastically change your investment plan based on market volatility. Sticking with a diversified portfolio over the long-term has historically been a very successful way to achieve profitable results.